Rocky Ripple, IN
Rocky Ripple wildfire risk explained
Out of every US place USFS scores, Rocky Ripple lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 389 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rocky Ripple's burn probability — fire likelihood with no building count factored in — sits at the 15th percentile nationally.
Where Rocky Ripple's buildings actually sit
Direct exposure dominates in Rocky Ripple: 56.8% of its 389 buildings, versus 0% Indirect and 43.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Rocky Ripple against the rest of the country
Within Indiana, Rocky Ripple ranks higher (62nd percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Rocky Ripple ranks 27,696 for wildfire risk (1 is highest) and 19,426 by building count (1 is largest). Within Indiana alone, it ranks 372 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
At the 12th national percentile, Rocky Ripple rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Rocky Ripple
Because Direct exposure dominates in Rocky Ripple (56.8%), 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
Rocky Ripple's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Rocky Ripple, see the exposure-zones guide.