Shoals, IN
Shoals wildfire risk explained
USFS scores Shoals at the 20th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 536 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 Shoals at the 21st percentile, close to its 20th-percentile risk score.
Shoals's building exposure, zone by zone
USFS puts 71.8% of Shoals's 536 buildings in the Indirect exposure zone, versus 28.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Shoals against the rest of the country
Within Indiana, Shoals ranks higher (80th percentile) than it does nationally (20th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Shoals ranks 25,237 for wildfire risk (1 is highest) and 16,775 by building count (1 is largest). Within Indiana alone, it ranks 198 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Shoals
Shoals's low rating (20th 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 Shoals
Shoals's 71.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 536 counted buildings into the percentiles shown above for Shoals. For more on what indirect exposure implies beyond Shoals, see the exposure-zones guide.