Cross Plains, IN
How exposed is Cross Plains to wildfire?
Cross Plains sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 155 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cross Plains's burn probability — fire likelihood with no building count factored in — sits at the 24th percentile nationally.
Where Cross Plains's buildings actually sit
USFS classifies 71% of Cross Plains's buildings as Direct exposure, higher than its 29% Indirect share and far above its 0% Minimal share — a profile where 110 structures sit close enough to vegetation that lot clearing matters most.
How Cross Plains compares
Compare Cross Plains's two percentiles: 86th within Indiana, only 22nd nationally — a gap of 64 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cross Plains ranks 24,576 for wildfire risk (1 is highest) and 26,648 by building count (1 is largest). Within Indiana alone, it ranks 136 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
At the 22nd national percentile, Cross Plains rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 71% of Cross Plains in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Cross Plains's figures come from
Cross Plains's 22nd-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 Cross Plains's dominant direct exposure actually means, with real examples from across the dataset.