Flora, IN
Flora wildfire risk explained
Out of every US place USFS scores, Flora lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,297 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 Flora at the 1st percentile, close to its 1st-percentile risk score.
Where Flora's buildings actually sit
Only 8.3% of Flora's 1,297 buildings carry Direct exposure and 0% carry Indirect; the remaining 91.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Flora against the rest of the country
Flora's risk sits at a similar level relative to Indiana (7th percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Flora ranks 31,237 for wildfire risk (1 is highest) and 10,092 by building count (1 is largest). Within Indiana alone, it ranks 900 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Flora and the insurance market
Flora's low wildfire rating (1st 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.
Hardening a home in Flora
With 91.8% of buildings rated Minimal exposure, Flora gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Flora's figures come from
Every one of the two percentiles behind Flora's 31,237-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Flora's dominant minimal exposure actually means, with real examples from across the dataset.