Trail Creek, IN
How exposed is Trail Creek to wildfire?
Trail Creek's 1,197 buildings earn a 37th-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, Trail Creek's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Trail Creek's buildings actually sit
84.5% of Trail Creek's 1,197 buildings sit in USFS's Minimal exposure zone, with only 15.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Trail Creek ranks
Trail Creek's 96th-percentile standing inside Indiana outpaces its 37th 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, Trail Creek ranks 19,756 for wildfire risk (1 is highest) and 10,660 by building count (1 is largest). Within Indiana alone, it ranks 44 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Trail Creek
Trail Creek's moderate rating (37th 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
With 84.5% of buildings rated Minimal exposure, Trail Creek gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Trail Creek's figures come from
Every one of the two percentiles behind Trail Creek's 19,756-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Trail Creek's dominant minimal exposure actually means, with real examples from across the dataset.