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ZIP-level NFIRS data

Fires in ZIP 46544

ZIP 46544 recorded 259 fire and hazmat incidents in 2025, 1,450 across 2021–2025. Primary county: St. Joseph County, IN.

ZIP 46544 FIPS 18141 ZIP-level
Total incidents (2025)
259
1,450 across 5 years
Building fires
45
13 wildland
Wildfire risk
22
FEMA NRI · Low
Active fires
0
in St. Joseph County
01 Five-year trend

Year over year in ZIP 46544

1,450 incidents from 2021 through 2025 inside this ZIP.

YearIncidents 
2021 297
2022 282
2023 310
2024 302
2025 259
02 Seasonality

When do fires happen in ZIP 46544?

Jul peaks. Sep dips. Aggregated across all 5 years inside this ZIP.

Jan 113
Feb 86
Mar 122
Apr 97
May 121
Jun 168
Jul 190
Aug 127
Sep 85
Oct 109
Nov 134
Dec 98
03 Top incident types

What kinds of calls lead in ZIP 46544?

Top 5 NFIRS incident types for ZIP 46544 across 2021–2025.

#Incident typeCountShare 
1 Gas leak (natural gas or LPG) 311 21.4%
2 Carbon monoxide incident 187 12.9%
3 Power line down 184 12.7%
4 Building fires 174 12.0%
5 Passenger vehicle fire 89 6.1%
04 Cause of ignition

What sparks fires in ZIP 46544?

For the 45 building fires reported here in 2025, here's how investigators classified ignition cause.

Unintentional
51%
253
Cause undetermined
8%
40
Intentional / arson
12%
60
Equipment / heat source failure
6%
29
Under investigation
22%
107
Act of nature (lightning)
1%
4
05 Where fires start

Where in the building fires start

NFIRS Area of Origin for ZIP 46544 fires across 2021–2025.

#Area of originCountShare 
1 Outside area, other 87 17.6%
2 Undetermined 79 16.0%
3 Cooking area, kitchen 65 13.2%
4 Engine area, running gear, wheel area 51 10.3%
5 Open area - outside; included are farmland, field 40 8.1%
6 Other 15 3.0%
7 Bedroom - < 5 persons; included are jail or prison 15 3.0%
8 Vehicle storage area; garage, carport 13 2.6%
9 All other areas 128 26.0%
06 What ignited it

The leading heat sources here

NFIRS HEAT_SOURC code — the physical thing that started the fire.

#Heat sourceCountShare 
1 Undetermined 295 59.8%
2 Radiated, conducted heat from operating equipment 34 6.9%
3 Cigarette lighter 18 3.7%
4 Heat from powered equipment, other 15 3.0%
5 Hot ember or ash 14 2.8%
6 Heat source: other 13 2.6%
7 Arcing 11 2.2%
8 Cigarette 11 2.2%
9 All other sources 82 16.6%
07 The biggest fires

8 fires · $1.2M in losses

Largest single-incident losses in ZIP 46544 across 2021–2025. These 8 fires alone account for 219% of the ZIP's 2025 reported total.

#Property lossTypeYearSeverity
1 $230,000 Building fires 2025 Significant
2 $200,000 Building fires 2024 Significant
3 $200,000 Building fires 2024 Significant
4 $180,000 Building fires 2025 Significant
5 $100,000 Building fires 2021 Significant
6 $100,000 Mobile property (vehicle) fire, other 2021 Significant
7 $90,000 Passenger vehicle fire 2024 Significant
8 $85,000 Building fires 2024 Significant
08 Cities in this ZIP

Most active cities in ZIP 46544

Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 46544.

#City5-yr incidents 
1 Mishawaka 1,421
2 South Bend 5
3 Elkhart 1
11 Current conditions

Right now in 46544

The figures above are historical. For today's air quality, fire-weather warnings, and active fires, go to the official sources.

About ZIP-level data

NFIRS reports each fire incident with a 5-digit address ZIP. We aggregate those rows directly to produce ZIP-level totals — 1,450 incidents in this ZIP across 2021–2025. Building-fire breakdowns (Area of Origin, Heat Source, ignition cause) only count fires investigators classified beyond the basic incident report. Because NFIRS reporting is voluntary, totals are a strong indicator rather than a complete census.