Toad Hop, IN
Toad Hop wildfire risk explained
Toad Hop's 75 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.)
Separately from the risk score above, Toad Hop's burn probability — fire likelihood with no building count factored in — sits at the 21st percentile nationally.
What "at risk" means for the buildings here
75 buildings are counted in Toad Hop, and 52% of them are Indirect exposure — ember-driven risk rather than the 48% in Direct exposure or the 0% rated Minimal.
How Toad Hop compares
Within Indiana, Toad Hop ranks higher (81st 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, Toad Hop ranks 25,176 for wildfire risk (1 is highest) and 30,085 by building count (1 is largest). Within Indiana alone, it ranks 190 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
Toad Hop's moderate wildfire rating (20th 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.
Hardening a home in Toad Hop
Because 52% of Toad Hop's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Toad Hop's 20th-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 Toad Hop, see the exposure-zones guide.