Midland, IN
Midland, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Midland at the 25th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 187 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Midland at the 26th percentile, close to its 25th-percentile risk score.
Where Midland's buildings actually sit
Direct exposure dominates in Midland: 100% of its 187 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Midland ranks
Midland's 90th-percentile standing inside Indiana outpaces its 25th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Midland ranks 23,790 for wildfire risk (1 is highest) and 25,347 by building count (1 is largest). Within Indiana alone, it ranks 95 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
Midland's moderate rating (25th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Midland's 100% 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
Every one of the two percentiles behind Midland's 23,790-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Midland, see the exposure-zones guide.