Clay City, IN
Clay City, IN's wildfire risk, in USFS's own numbers
Clay City's 705 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Clay City's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
Clay City rates 89.5% Minimal exposure against just 10.5% Direct and 0% Indirect — of 705 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Clay City against the rest of the country
Clay City's 24th-percentile standing inside Indiana outpaces its 3rd 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, Clay City ranks 30,475 for wildfire risk (1 is highest) and 14,601 by building count (1 is largest). Within Indiana alone, it ranks 733 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
Clay City's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 89.5% of Clay City 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.
More on how this number was built
Every one of the two percentiles behind Clay City's 30,475-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Clay City, see the exposure-zones guide.