Patoka, IN
How exposed is Patoka to wildfire?
USFS's Wildfire Risk to Communities model puts Patoka at the 20th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 554 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Patoka at the 20th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Patoka's buildings actually sit
554 buildings are counted in Patoka, and 52.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 47.5% rated Minimal.
How Patoka compares
Within Indiana, Patoka ranks higher (80th percentile) than it does nationally (20th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Patoka ranks 25,213 for wildfire risk (1 is highest) and 16,517 by building count (1 is largest). Within Indiana alone, it ranks 194 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Patoka
Patoka's low 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 Patoka
With 52.5% of Patoka in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Patoka's figures come from
The methodology guide shows exactly how USFS turned 554 counted buildings into the percentiles shown above for Patoka. The exposure-zones guide covers what Patoka's dominant direct exposure actually means, with real examples from across the dataset.