Shelbyville, IN
Shelbyville, IN's wildfire risk, in USFS's own numbers
Shelbyville's 8,947 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shelbyville's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 94.5% of Shelbyville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 5.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 8,947 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Shelbyville ranks
Shelbyville's 25th-percentile standing inside Indiana outpaces its 3rd 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, Shelbyville ranks 30,446 for wildfire risk (1 is highest) and 1,861 by building count (1 is largest). Within Indiana alone, it ranks 729 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
Shelbyville's low wildfire rating (3rd 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 94.5% of buildings rated Minimal exposure, Shelbyville 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
The methodology guide shows exactly how USFS turned 8,947 counted buildings into the percentiles shown above for Shelbyville. For more on what minimal exposure implies beyond Shelbyville, see the exposure-zones guide.