Martinsburg, IN
How exposed is Martinsburg to wildfire?
USFS scores Martinsburg at the 21st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 130 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Martinsburg at the 22nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 96.9% of Martinsburg's buildings as Direct exposure, higher than its 3.1% Indirect share and far above its 0% Minimal share — a profile where 126 structures sit close enough to vegetation that lot clearing matters most.
How Martinsburg compares
Compare Martinsburg's two percentiles: 83rd within Indiana, only 21st nationally — a gap of 62 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Martinsburg ranks 24,856 for wildfire risk (1 is highest) and 27,710 by building count (1 is largest). Within Indiana alone, it ranks 162 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
At the 21st national percentile, Martinsburg rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Martinsburg
Martinsburg's 96.9% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Martinsburg's figures come from
Martinsburg's 21st-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 Martinsburg's dominant direct exposure actually means, with real examples from across the dataset.