Cloverdale, IN
Cloverdale, IN's wildfire risk, in USFS's own numbers
USFS scores Cloverdale at the 13th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,309 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cloverdale's burn probability — fire likelihood with no building count factored in — sits at the 14th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Cloverdale (62.4% of 1,309 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 37.6% sit in the Direct zone.
Cloverdale against the rest of the country
Cloverdale's 65th-percentile standing inside Indiana outpaces its 13th 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, Cloverdale ranks 27,287 for wildfire risk (1 is highest) and 10,027 by building count (1 is largest). Within Indiana alone, it ranks 342 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Cloverdale and the insurance market
At the 13th national percentile, Cloverdale rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Cloverdale
Cloverdale's 62.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Cloverdale's 13th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Cloverdale, see the exposure-zones guide.