St. Paul, IN
How exposed is St. Paul to wildfire?
St. Paul sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 545 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Paul at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Paul's buildings actually sit
USFS classifies 91.6% of St. Paul's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
St. Paul against the rest of the country
Within Indiana, St. Paul ranks higher (57th percentile) than it does nationally (10th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, St. Paul ranks 28,231 for wildfire risk (1 is highest) and 16,636 by building count (1 is largest). Within Indiana alone, it ranks 413 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
St. Paul and the insurance market
St. Paul's low rating (10th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
St. Paul's 91.6% 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.
Where St. Paul's figures come from
Every one of the two percentiles behind St. Paul's 28,231-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Paul's dominant minimal exposure actually means, with real examples from across the dataset.