Fair Oaks, IN
How exposed is Fair Oaks to wildfire?
Fair Oaks sits at the 5th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 152 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fair Oaks at the 5th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Fair Oaks's buildings actually sit
69.1% of Fair Oaks's 152 buildings sit in USFS's Minimal exposure zone, with only 30.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Fair Oaks compares
Within Indiana, Fair Oaks ranks higher (35th percentile) than it does nationally (5th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fair Oaks ranks 30,001 for wildfire risk (1 is highest) and 26,798 by building count (1 is largest). Within Indiana alone, it ranks 631 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Fair Oaks and the insurance market
Fair Oaks's low rating (5th 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
Fair Oaks's 69.1% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Fair Oaks's figures come from
Every one of the two percentiles behind Fair Oaks's 30,001-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fair Oaks's dominant minimal exposure actually means, with real examples from across the dataset.