Union City, IN
How exposed is Union City to wildfire?
Union City's 2,033 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Union City at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Union City's buildings actually sit
94.9% of Union City's 2,033 buildings sit in USFS's Minimal exposure zone, with only 5.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Union City against the rest of the country
Union City 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, Union City ranks 31,172 for wildfire risk (1 is highest) and 7,375 by building count (1 is largest). Within Indiana alone, it ranks 891 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Union City and the insurance market
Union City's low wildfire rating (1st 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 Union City
With 94.9% of buildings rated Minimal exposure, Union City 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
Every one of the two percentiles behind Union City's 31,172-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Union City, see the exposure-zones guide.