Clifford, IN
Clifford wildfire risk explained
Clifford's 142 buildings earn a 1st-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, Clifford's burn probability — fire likelihood with no building count factored in — sits at the 1st percentile nationally.
What "at risk" means for the buildings here
91.6% of Clifford's 142 buildings sit in USFS's Minimal exposure zone, with only 8.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Clifford compares
Clifford's risk sits at a similar level relative to Indiana (8th 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, Clifford ranks 31,201 for wildfire risk (1 is highest) and 27,200 by building count (1 is largest). Within Indiana alone, it ranks 892 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Clifford and the insurance market
Clifford'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
With 91.6% of buildings rated Minimal exposure, Clifford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 142 counted buildings into the percentiles shown above for Clifford. For more on what minimal exposure implies beyond Clifford, see the exposure-zones guide.