Lyford, IN
Lyford wildfire risk explained
Out of every US place USFS scores, Lyford lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 272 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 Lyford at the 12th percentile, close to its 12th-percentile risk score.
Where Lyford's buildings actually sit
Of Lyford's 272 counted buildings, 66.2% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Lyford against the rest of the country
Within Indiana, Lyford ranks higher (60th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lyford ranks 27,882 for wildfire risk (1 is highest) and 22,438 by building count (1 is largest). Within Indiana alone, it ranks 386 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
Lyford's low rating (12th 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
With 66.2% of Lyford 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.
More on how this number was built
Every one of the two percentiles behind Lyford's 27,882-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lyford, see the exposure-zones guide.