Home› ZIP› 46545
ZIP-level NFIRS data

Fires in ZIP 46545

ZIP 46545 recorded 163 fire and hazmat incidents in 2025, 938 across 2021–2025. Primary county: St. Joseph County, IN.

ZIP 46545 FIPS 18141 ZIP-level
Total incidents (2025)
163
938 across 5 years
Building fires
23
7 wildland
Wildfire risk
22
FEMA NRI · Low
Active fires
0
in St. Joseph County
01 Five-year trend

Year over year in ZIP 46545

938 incidents from 2021 through 2025 inside this ZIP.

YearIncidents 
2021 200
2022 185
2023 204
2024 186
2025 163
02 Seasonality

When do fires happen in ZIP 46545?

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

Jan 54
Feb 60
Mar 85
Apr 77
May 88
Jun 108
Jul 111
Aug 71
Sep 75
Oct 58
Nov 93
Dec 58
03 Top incident types

What kinds of calls lead in ZIP 46545?

Top 5 NFIRS incident types for ZIP 46545 across 2021–2025.

#Incident typeCountShare 
1 Gas leak (natural gas or LPG) 202 21.5%
2 Building fires 162 17.3%
3 Carbon monoxide incident 123 13.1%
4 Power line down 93 9.9%
5 Cooking fire, confined to container 50 5.3%
04 Cause of ignition

What sparks fires in ZIP 46545?

For the 23 building fires reported here in 2025, here's how investigators classified ignition cause.

Unintentional
53%
173
Cause undetermined
7%
23
Intentional / arson
9%
30
Equipment / heat source failure
8%
26
Under investigation
22%
72
Act of nature (lightning)
1%
3
05 Where fires start

Where in the building fires start

NFIRS Area of Origin for ZIP 46545 fires across 2021–2025.

#Area of originCountShare 
1 Cooking area, kitchen 74 22.6%
2 Outside area, other 38 11.6%
3 Undetermined 28 8.6%
4 Engine area, running gear, wheel area 27 8.3%
5 Open area - outside; included are farmland, field 27 8.3%
6 Highway, parking lot, street: on or near 11 3.4%
7 Chute/container - trash, rubbish, waste 10 3.1%
8 Other 9 2.8%
9 All other areas 103 31.5%
06 What ignited it

The leading heat sources here

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

#Heat sourceCountShare 
1 Undetermined 169 51.7%
2 Radiated, conducted heat from operating equipment 29 8.9%
3 Arcing 20 6.1%
4 Heat from powered equipment, other 13 4.0%
5 Hot ember or ash 13 4.0%
6 Heat from direct flame, convection currents 11 3.4%
7 Cigarette 10 3.1%
8 Spark, ember or flame from operating equipment 9 2.8%
9 All other sources 53 16.2%
07 The biggest fires

8 fires · $83K in losses

Largest single-incident losses in ZIP 46545 across 2021–2025. These 8 fires alone account for 0% of the ZIP's 2025 reported total.

#Property lossTypeYearSeverity
1 $25,000 Passenger vehicle fire 2024 Significant
2 $15,000 Fire, other 2021 Significant
3 $10,000 Building fires 2021 Significant
4 $10,000 Building fires 2022 Significant
5 $8,000 Passenger vehicle fire 2022 Significant
6 $5,000 Outside storage fire 2021 Significant
7 $5,000 Arcing, shorted electrical equipment 2021 Significant
8 $5,000 Building fires 2021 Significant
08 Cities in this ZIP

Most active cities in ZIP 46545

Some ZIPs span multiple cities. Ranked by 5-yr NFIRS incidents inside ZIP 46545.

#City5-yr incidents 
1 Mishawaka 932
2 South Bend 3
3 Notre Dame 2
4 Elkhart 1
11 Current conditions

Right now in 46545

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 — 938 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.