Brook, IN
How exposed is Brook to wildfire?
Brook sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 678 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Brook at the 2nd percentile, close to its 2nd-percentile risk score.
Where Brook's buildings actually sit
Only 21.7% of Brook's 678 buildings carry Direct exposure and 0% carry Indirect; the remaining 78.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Brook ranks
Brook scores 2nd nationally and 16th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Brook ranks 30,822 for wildfire risk (1 is highest) and 14,881 by building count (1 is largest). Within Indiana alone, it ranks 811 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Brook and the insurance market
At the 2nd national percentile, Brook rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 78.3% of Brook outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Brook's figures come from
Brook's 2nd-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 Brook's dominant minimal exposure actually means, with real examples from across the dataset.