Paoli, IN
Paoli wildfire risk explained
Paoli's 2,104 buildings earn a 20th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Paoli at the 22nd percentile, close to its 20th-percentile risk score.
Paoli's building exposure, zone by zone
Most of Paoli's buildings (57.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Paoli against the rest of the country
Paoli's 81st-percentile standing inside Indiana outpaces its 20th 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, Paoli ranks 25,081 for wildfire risk (1 is highest) and 7,181 by building count (1 is largest). Within Indiana alone, it ranks 184 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
Paoli's moderate rating (20th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Paoli
With ember exposure the dominant pattern in Paoli (57.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,104 counted buildings into the percentiles shown above for Paoli. For more on what indirect exposure implies beyond Paoli, see the exposure-zones guide.