Shelby, IN
Shelby, IN's wildfire risk, in USFS's own numbers
USFS scores Shelby at the 28th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 388 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Shelby at the 28th percentile, close to its 28th-percentile risk score.
Shelby's building exposure, zone by zone
67.5% of Shelby's 388 buildings sit in USFS's Minimal exposure zone, with only 32.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Shelby compares
Shelby's 93rd-percentile standing inside Indiana outpaces its 28th 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, Shelby ranks 22,845 for wildfire risk (1 is highest) and 19,443 by building count (1 is largest). Within Indiana alone, it ranks 70 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
Shelby's moderate wildfire rating (28th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 67.5% of buildings rated Minimal exposure, Shelby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Shelby's 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Shelby, see the exposure-zones guide.