Elrod, IN
Elrod wildfire risk explained
Elrod sits at the 20th 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 126 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Elrod at the 22nd percentile, close to its 20th-percentile risk score.
Where Elrod's buildings actually sit
126 buildings are counted in Elrod, and 85.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Elrod ranks
Elrod's 81st-percentile standing inside Indiana outpaces its 20th 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, Elrod ranks 25,079 for wildfire risk (1 is highest) and 27,886 by building count (1 is largest). Within Indiana alone, it ranks 182 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Elrod
Elrod's moderate rating (20th 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
Elrod's 85.7% 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 Elrod's figures come from
Elrod's 20th-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 Elrod's dominant direct exposure actually means, with real examples from across the dataset.