Elkhart is unique.
A lot of the area is rural surrounding it and South Bend. There are many crossings that don't even have a red light, much less arms...just the old white X, stating Rail Road Crossing on it. The first passenger train rolled through the city in 1852. My great-great-great Grandfather worked on the railroad as it was built. This is THE line that brings trains into Chicago and west, from the east. http://local2053.twu.org/default.asp?contentID=638
Here's one shot of it. I know it had a turntable too, but can't find an image.
The famed B&O passed to the south about 20 miles or so. There are just trains and rails everywhere!
The National New York Central Railroad Museum, is located in Elkhart. The New York Central was once the second-largest railroad in the United States, with 11,000 route miles of track in eleven states and two Canadian provinces. New York Central's Robert R. Young Yard (now Norfolk Southern Railway's Elkhart Yard) is the largest railroad freight classification yard east of the Mississippi River.
I can't find the numbers now, but trains pass through the city something like every 25 minutes. I remember growing up how you could rarely go for a drive and not have to stop for a train. Now you may understand why people are willing to take chances. Most of them are moving pretty slow, but one mistake in timing...you won't be taking chances any more. Tie ALWAYS goes to the train.