Grayford, IN
How exposed is Grayford to wildfire?
USFS scores Grayford at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 102 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Grayford at the 26th percentile, close to its 25th-percentile risk score.
Grayford's building exposure, zone by zone
Direct exposure dominates in Grayford: 97.1% of its 102 buildings, versus 2.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Grayford compares
Grayford's 90th-percentile standing inside Indiana outpaces its 25th 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, Grayford ranks 23,789 for wildfire risk (1 is highest) and 28,946 by building count (1 is largest). Within Indiana alone, it ranks 94 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Grayford and the insurance market
Grayford's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 97.1% of Grayford in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Grayford's figures come from
Every one of the two percentiles behind Grayford's 23,789-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Grayford's dominant direct exposure actually means, with real examples from across the dataset.