Middlebury (Clay), IN
Middlebury (Clay), IN's wildfire risk, in USFS's own numbers
USFS scores Middlebury (Clay) at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 113 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Middlebury (Clay) at the 4th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Middlebury (Clay)'s buildings actually sit
87.6% of Middlebury (Clay)'s 113 buildings sit in USFS's Direct exposure zone, roughly 99 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 12.4% are Minimal.
Where Middlebury (Clay) ranks
Within Indiana, Middlebury (Clay) ranks higher (27th percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Middlebury (Clay) ranks 30,350 for wildfire risk (1 is highest) and 28,498 by building count (1 is largest). Within Indiana alone, it ranks 707 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
Middlebury (Clay)'s low rating (4th 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
Because Direct exposure dominates in Middlebury (Clay) (87.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 113 counted buildings into the percentiles shown above for Middlebury (Clay). For more on what direct exposure implies beyond Middlebury (Clay), see the exposure-zones guide.