Thayer, IN
How exposed is Thayer to wildfire?
Thayer sits at the 35th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 225 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Thayer at the 36th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Thayer's buildings actually sit
Only 30.2% of Thayer's 225 buildings carry Direct exposure and 0% carry Indirect; the remaining 69.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Thayer ranks
Within Indiana, Thayer ranks higher (95th percentile) than it does nationally (35th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Thayer ranks 20,447 for wildfire risk (1 is highest) and 23,941 by building count (1 is largest). Within Indiana alone, it ranks 51 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Thayer and the insurance market
At the 35th national percentile, Thayer rates moderate 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 Thayer
Thayer's 69.8% 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 Thayer's figures come from
The methodology guide shows exactly how USFS turned 225 counted buildings into the percentiles shown above for Thayer. The exposure-zones guide covers what Thayer's dominant minimal exposure actually means, with real examples from across the dataset.