Griffin, IN
Griffin wildfire risk explained
USFS's Wildfire Risk to Communities model puts Griffin at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 129 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Griffin at the 11th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Griffin's buildings actually sit
USFS puts 90.7% of Griffin's 129 buildings in the Indirect exposure zone, versus 9.3% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Griffin against the rest of the country
Griffin's 60th-percentile standing inside Indiana outpaces its 11th 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, Griffin ranks 27,917 for wildfire risk (1 is highest) and 27,747 by building count (1 is largest). Within Indiana alone, it ranks 389 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
Griffin's low wildfire rating (11th 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 90.7% of Griffin'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
Griffin's 11th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Griffin, see the exposure-zones guide.