Flat Rock, IN
Flat Rock wildfire risk explained
Flat Rock's 180 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Flat Rock at the 3rd percentile, close to its 3rd-percentile risk score.
Flat Rock's building exposure, zone by zone
Flat Rock rates 64.4% Minimal exposure against just 35.6% Direct and 0% Indirect — of 180 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Flat Rock compares
Compare Flat Rock's two percentiles: 24th within Indiana, only 3rd nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Flat Rock ranks 30,476 for wildfire risk (1 is highest) and 25,619 by building count (1 is largest). Within Indiana alone, it ranks 734 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Flat Rock
Flat Rock's low wildfire rating (3rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 64.4% of Flat Rock outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Flat Rock's figures come from
Flat Rock's 3rd-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 Flat Rock's dominant minimal exposure actually means, with real examples from across the dataset.