Clarks Hill, IN
Clarks Hill wildfire risk explained
Out of every US place USFS scores, Clarks Hill lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 358 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clarks Hill at the 1st percentile, close to its 1st-percentile risk score.
Where Clarks Hill's buildings actually sit
Most of Clarks Hill's buildings (93% of 358) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Clarks Hill ranks
Clarks Hill's risk sits at a similar level relative to Indiana (4th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clarks Hill ranks 31,300 for wildfire risk (1 is highest) and 20,109 by building count (1 is largest). Within Indiana alone, it ranks 920 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Clarks Hill and the insurance market
Clarks Hill's low wildfire rating (1st 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
Clarks Hill's 93% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Clarks Hill's figures come from
Every one of the two percentiles behind Clarks Hill's 31,300-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Clarks Hill's dominant minimal exposure actually means, with real examples from across the dataset.