Sunman, IN
Sunman, IN's wildfire risk, in USFS's own numbers
USFS scores Sunman at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 571 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Sunman's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Where Sunman's buildings actually sit
571 buildings are counted in Sunman, and 71.3% of them are Indirect exposure — ember-driven risk rather than the 28.7% in Direct exposure or the 0% rated Minimal.
Sunman against the rest of the country
Sunman's 66th-percentile standing inside Indiana outpaces its 14th 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, Sunman ranks 27,099 for wildfire risk (1 is highest) and 16,234 by building count (1 is largest). Within Indiana alone, it ranks 329 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
What this risk score means for insurance
Sunman's low wildfire rating (14th 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.
What would actually reduce this score
Sunman's 71.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Sunman's figures come from
The methodology guide shows exactly how USFS turned 571 counted buildings into the percentiles shown above for Sunman. The exposure-zones guide covers what Sunman's dominant indirect exposure actually means, with real examples from across the dataset.