St. Omer, IN
St. Omer, IN's wildfire risk, in USFS's own numbers
St. Omer's 88 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Omer at the 13th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Omer's building exposure, zone by zone
Most of St. Omer's buildings (53.4% of 88) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How St. Omer compares
St. Omer's 62nd-percentile standing inside Indiana outpaces its 12th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, St. Omer ranks 27,634 for wildfire risk (1 is highest) and 29,569 by building count (1 is largest). Within Indiana alone, it ranks 367 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
St. Omer and the insurance market
St. Omer's low wildfire rating (12th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
St. Omer's 53.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
St. Omer's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond St. Omer, see the exposure-zones guide.