Cloverland, IN
Cloverland, IN's wildfire risk, in USFS's own numbers
Cloverland's 224 buildings earn a 18th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cloverland at the 20th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Cloverland's building exposure, zone by zone
Direct exposure dominates in Cloverland: 83% of its 224 buildings, versus 17% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Cloverland against the rest of the country
Within Indiana, Cloverland ranks higher (76th percentile) than it does nationally (18th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Cloverland ranks 25,710 for wildfire risk (1 is highest) and 23,978 by building count (1 is largest). Within Indiana alone, it ranks 235 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Cloverland and the insurance market
Cloverland's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Cloverland
Cloverland's 83% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Cloverland's figures come from
Cloverland's 18th-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 Cloverland's dominant direct exposure actually means, with real examples from across the dataset.