Spurgeon, IN
Spurgeon wildfire risk explained
Spurgeon's 172 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spurgeon's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Spurgeon (59.9% of 172 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40.1% sit in the Direct zone.
How Spurgeon compares
Compare Spurgeon's two percentiles: 96th within Indiana, only 39th nationally — a gap of 57 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spurgeon ranks 19,373 for wildfire risk (1 is highest) and 25,932 by building count (1 is largest). Within Indiana alone, it ranks 40 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 39th national percentile, Spurgeon rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Spurgeon's 59.9% 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
Spurgeon's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Spurgeon, see the exposure-zones guide.