Alford, IN
How exposed is Alford to wildfire?
Alford's 116 buildings earn a 19th-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 Alford at the 20th percentile, close to its 19th-percentile risk score.
Alford's building exposure, zone by zone
Of Alford's 116 counted buildings, 80.2% carry Direct exposure and only 19.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Alford ranks
Alford's 76th-percentile standing inside Indiana outpaces its 19th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Alford ranks 25,553 for wildfire risk (1 is highest) and 28,353 by building count (1 is largest). Within Indiana alone, it ranks 229 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
Alford's low wildfire rating (19th 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.
What would actually reduce this score
Because Direct exposure dominates in Alford (80.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 116 counted buildings into the percentiles shown above for Alford. For more on what direct exposure implies beyond Alford, see the exposure-zones guide.