St. Mary of the Woods, IN
St. Mary of the Woods, IN's wildfire risk, in USFS's own numbers
St. Mary of the Woods's 238 buildings earn a 20th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Mary of the Woods at the 21st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
St. Mary of the Woods's building exposure, zone by zone
81.9% of St. Mary of the Woods's 238 buildings sit in USFS's Direct exposure zone, roughly 195 structures close enough to burnable vegetation for flame contact, not just embers — 18.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How St. Mary of the Woods compares
St. Mary of the Woods's 81st-percentile standing inside Indiana outpaces its 20th 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, St. Mary of the Woods ranks 25,148 for wildfire risk (1 is highest) and 23,524 by building count (1 is largest). Within Indiana alone, it ranks 188 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
St. Mary of the Woods's moderate 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in St. Mary of the Woods (81.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where St. Mary of the Woods's figures come from
The methodology guide shows exactly how USFS turned 238 counted buildings into the percentiles shown above for St. Mary of the Woods. The exposure-zones guide covers what St. Mary of the Woods's dominant direct exposure actually means, with real examples from across the dataset.