Stone Bluff, IN
Stone Bluff wildfire risk explained
USFS scores Stone Bluff at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 100 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 Stone Bluff at the 4th percentile, close to its 4th-percentile risk score.
Where Stone Bluff's buildings actually sit
56% of Stone Bluff's 100 buildings sit in USFS's Minimal exposure zone, with only 44% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Stone Bluff ranks
Within Indiana, Stone Bluff ranks higher (31st percentile) than it does nationally (4th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Stone Bluff ranks 30,193 for wildfire risk (1 is highest) and 29,022 by building count (1 is largest). Within Indiana alone, it ranks 672 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Stone Bluff and the insurance market
At the 4th national percentile, Stone Bluff rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Stone Bluff's 56% 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.
Where Stone Bluff's figures come from
Every one of the two percentiles behind Stone Bluff's 30,193-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stone Bluff's dominant minimal exposure actually means, with real examples from across the dataset.