Albion, IN
Albion wildfire risk explained
Albion's 1,140 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Albion at the 8th percentile, close to its 8th-percentile risk score.
What "at risk" means for the buildings here
1,140 buildings are counted in Albion, and 78.1% of them are Indirect exposure — ember-driven risk rather than the 21.2% in Direct exposure or the 0.7% rated Minimal.
Where Albion ranks
Compare Albion's two percentiles: 50th within Indiana, only 8th nationally — a gap of 42 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Albion ranks 28,958 for wildfire risk (1 is highest) and 11,014 by building count (1 is largest). Within Indiana alone, it ranks 488 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
At the 8th national percentile, Albion rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Albion's 78.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Albion's figures come from
Albion's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Albion's dominant indirect exposure actually means, with real examples from across the dataset.