Twelve Mile, IN
How exposed is Twelve Mile to wildfire?
Twelve Mile sits at the 2nd 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 192 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Twelve Mile at the 2nd percentile, close to its 2nd-percentile risk score.
Where Twelve Mile's buildings actually sit
70.3% of Twelve Mile's 192 buildings sit in USFS's Minimal exposure zone, with only 29.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Twelve Mile ranks
Twelve Mile scores 2nd nationally and 17th 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, Twelve Mile ranks 30,796 for wildfire risk (1 is highest) and 25,157 by building count (1 is largest). Within Indiana alone, it ranks 809 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
Twelve Mile's low wildfire rating (2nd 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
With 70.3% of buildings rated Minimal exposure, Twelve Mile gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Twelve Mile's 2nd-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 Twelve Mile, see the exposure-zones guide.