Patriot, IN
Patriot wildfire risk explained
USFS's Wildfire Risk to Communities model puts Patriot at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 150 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Patriot at the 22nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Patriot's building exposure, zone by zone
Indirect exposure is dominant in Patriot (51.3% of 150 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 46.7% sit in the Direct zone.
Where Patriot ranks
Compare Patriot's two percentiles: 83rd within Indiana, only 21st nationally — a gap of 62 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Patriot ranks 24,989 for wildfire risk (1 is highest) and 26,873 by building count (1 is largest). Within Indiana alone, it ranks 171 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
Patriot's moderate rating (21st 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
With ember exposure the dominant pattern in Patriot (51.3% 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
Patriot's 21st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Patriot, see the exposure-zones guide.