Shirley, IN
How exposed is Shirley to wildfire?
Shirley sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 507 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shirley's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
What "at risk" means for the buildings here
Shirley rates 86.2% Minimal exposure against just 13.8% Direct and 0% Indirect — of 507 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Shirley ranks
Shirley scores 2nd nationally and 13th within Indiana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Shirley ranks 30,916 for wildfire risk (1 is highest) and 17,223 by building count (1 is largest). Within Indiana alone, it ranks 840 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Shirley
Shirley's low rating (2nd 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 Shirley
Shirley's 86.2% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 507 counted buildings into the percentiles shown above for Shirley. For more on what minimal exposure implies beyond Shirley, see the exposure-zones guide.