Trafalgar, IN
Trafalgar wildfire risk explained
Trafalgar sits at the 20th 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 726 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Trafalgar's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
Where Trafalgar's buildings actually sit
USFS classifies 49.6% of Trafalgar's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 44.1% Direct and 6.3% Indirect — a landscape-level risk rather than a building-by-building one.
Trafalgar against the rest of the country
Trafalgar's 80th-percentile standing inside Indiana outpaces its 20th 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, Trafalgar ranks 25,214 for wildfire risk (1 is highest) and 14,380 by building count (1 is largest). Within Indiana alone, it ranks 195 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 20th national percentile, Trafalgar 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 Trafalgar
Even with 49.6% of Trafalgar 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.
More on how this number was built
Trafalgar's 20th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Trafalgar, see the exposure-zones guide.