Union Mills, IN
How exposed is Union Mills to wildfire?
Out of every US place USFS scores, Union Mills lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 274 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Union Mills at the 10th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Union Mills's buildings actually sit
Union Mills rates 56.2% Minimal exposure against just 43.8% Direct and 0% Indirect — of 274 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Union Mills compares
Compare Union Mills's two percentiles: 54th within Indiana, only 9th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Union Mills ranks 28,551 for wildfire risk (1 is highest) and 22,390 by building count (1 is largest). Within Indiana alone, it ranks 446 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
Union Mills's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Union Mills
Union Mills's 56.2% 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 Union Mills's figures come from
The methodology guide shows exactly how USFS turned 274 counted buildings into the percentiles shown above for Union Mills. The exposure-zones guide covers what Union Mills's dominant minimal exposure actually means, with real examples from across the dataset.