Arthur, IN
How exposed is Arthur to wildfire?
Arthur sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 208 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arthur's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 95.7% of Arthur's buildings as Direct exposure, higher than its 4.3% Indirect share and far above its 0% Minimal share — a profile where 199 structures sit close enough to vegetation that lot clearing matters most.
How Arthur compares
Arthur's 96th-percentile standing inside Indiana outpaces its 43rd 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, Arthur ranks 18,051 for wildfire risk (1 is highest) and 24,548 by building count (1 is largest). Within Indiana alone, it ranks 37 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
Arthur's elevated wildfire rating (43rd 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.
Hardening a home in Arthur
Arthur's 95.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Arthur's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Arthur, see the exposure-zones guide.