French Lick, IN
French Lick wildfire risk explained
Out of every US place USFS scores, French Lick lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,004 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks French Lick at the 26th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where French Lick's buildings actually sit
1,004 buildings are counted in French Lick, and 51.4% of them are Indirect exposure — ember-driven risk rather than the 48.6% in Direct exposure or the 0% rated Minimal.
French Lick against the rest of the country
French Lick's 90th-percentile standing inside Indiana outpaces its 24th 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, French Lick ranks 23,881 for wildfire risk (1 is highest) and 11,903 by building count (1 is largest). Within Indiana alone, it ranks 98 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
French Lick's moderate wildfire rating (24th 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
Because 51.4% of French Lick'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,004 counted buildings into the percentiles shown above for French Lick. For more on what indirect exposure implies beyond French Lick, see the exposure-zones guide.