Straughn, IN
How exposed is Straughn to wildfire?
USFS's Wildfire Risk to Communities model puts Straughn at the 1st national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 191 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Straughn at the 1st percentile, close to its 1st-percentile risk score.
Where Straughn's buildings actually sit
84.8% of Straughn's 191 buildings sit in USFS's Minimal exposure zone, with only 15.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Straughn compares
There's little gap between Straughn's 1st national percentile and its 5th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Straughn ranks 31,271 for wildfire risk (1 is highest) and 25,195 by building count (1 is largest). Within Indiana alone, it ranks 917 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Straughn and the insurance market
Straughn's low wildfire rating (1st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 84.8% of Straughn outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Straughn's figures come from
Every one of the two percentiles behind Straughn's 31,271-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Straughn's dominant minimal exposure actually means, with real examples from across the dataset.