Ferdinand, IN
How exposed is Ferdinand to wildfire?
Out of every US place USFS scores, Ferdinand lands at the 20th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,224 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ferdinand at the 21st percentile, close to its 20th-percentile risk score.
Ferdinand's building exposure, zone by zone
Indirect exposure is dominant in Ferdinand (76.8% of 1,224 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 23% sit in the Direct zone.
Where Ferdinand ranks
Ferdinand'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, Ferdinand ranks 25,146 for wildfire risk (1 is highest) and 10,503 by building count (1 is largest). Within Indiana alone, it ranks 186 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
Ferdinand'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
Because 76.8% of Ferdinand's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Ferdinand's figures come from
Ferdinand'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 Ferdinand's dominant indirect exposure actually means, with real examples from across the dataset.