Talma, IN
Talma wildfire risk explained
Out of every US place USFS scores, Talma lands at the 5th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 86 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Talma at the 5th percentile, close to its 5th-percentile risk score.
Talma's building exposure, zone by zone
USFS classifies 57% of Talma's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 43% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Talma ranks
Within Indiana, Talma ranks higher (36th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Talma ranks 29,946 for wildfire risk (1 is highest) and 29,645 by building count (1 is largest). Within Indiana alone, it ranks 624 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
Talma's low wildfire rating (5th 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.
Hardening a home in Talma
Talma's 57% 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 Talma's figures come from
The methodology guide shows exactly how USFS turned 86 counted buildings into the percentiles shown above for Talma. The exposure-zones guide covers what Talma's dominant minimal exposure actually means, with real examples from across the dataset.