English, IN
How exposed is English to wildfire?
USFS scores English at the 27th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 538 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts English at the 28th percentile, close to its 27th-percentile risk score.
Where English's buildings actually sit
93.5% of English's 538 buildings sit in USFS's Direct exposure zone, roughly 503 structures close enough to burnable vegetation for flame contact, not just embers — 6.5% fall in the Indirect, ember-only zone and 0% are Minimal.
How English compares
Compare English's two percentiles: 92nd within Indiana, only 27th nationally — a gap of 66 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, English ranks 23,124 for wildfire risk (1 is highest) and 16,745 by building count (1 is largest). Within Indiana alone, it ranks 76 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
English and the insurance market
At the 27th national percentile, English rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
English's 93.5% 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 English's figures come from
The methodology guide shows exactly how USFS turned 538 counted buildings into the percentiles shown above for English. The exposure-zones guide covers what English's dominant direct exposure actually means, with real examples from across the dataset.