I used index.html. I did put the .htaccess into the folder. .htaccess within the file displays this code...
AddType application/x-httpd-php .htm .html
AddHandler fcgid-script .php
FCGIWrapper "/dh/cgi-system/php56.cgi" .php
The first line of the three is what I found online, and the second part is what Dreamhost said to put in if you were to use PHP. I have a contact form also within this folder, I labeled in "contact.php".