Liberty, IN
How exposed is Liberty to wildfire?
Liberty sits at the 9th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,131 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Liberty's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Liberty's buildings actually sit
Most of Liberty's buildings (87.3%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Liberty ranks
Compare Liberty's two percentiles: 53rd within Indiana, only 9th nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Liberty ranks 28,702 for wildfire risk (1 is highest) and 11,073 by building count (1 is largest). Within Indiana alone, it ranks 454 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Liberty
Liberty's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Liberty's 87.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Liberty's figures come from
Liberty's 9th-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 Liberty's dominant indirect exposure actually means, with real examples from across the dataset.