Templeton, IN
Templeton wildfire risk explained
Out of every US place USFS scores, Templeton lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 84 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 Templeton at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 76.2% of Templeton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Templeton compares
Templeton scores 1st nationally and 8th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Templeton ranks 31,170 for wildfire risk (1 is highest) and 29,723 by building count (1 is largest). Within Indiana alone, it ranks 889 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
At the 1st national percentile, Templeton rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Templeton
Even with 76.2% of Templeton outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Templeton's figures come from
Templeton's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Templeton's dominant minimal exposure actually means, with real examples from across the dataset.