Michiana Shores, IN
How exposed is Michiana Shores to wildfire?
USFS scores Michiana Shores at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 378 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Michiana Shores's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Michiana Shores: 59.8% of its 378 buildings, versus 40.2% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Michiana Shores against the rest of the country
Within Indiana, Michiana Shores ranks higher (96th percentile) than it does nationally (38th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Michiana Shores ranks 19,689 for wildfire risk (1 is highest) and 19,684 by building count (1 is largest). Within Indiana alone, it ranks 41 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Michiana Shores and the insurance market
At the 38th national percentile, Michiana Shores rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Michiana Shores's 59.8% 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.
More on how this number was built
Michiana Shores's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Michiana Shores, see the exposure-zones guide.