Adams Lake, IN
Adams Lake, IN's wildfire risk, in USFS's own numbers
Adams Lake's 425 buildings earn a 5th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Adams Lake's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Adams Lake's buildings actually sit
Most of Adams Lake's buildings (62.1% of 425) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Adams Lake compares
Compare Adams Lake's two percentiles: 37th within Indiana, only 5th nationally — a gap of 31 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Adams Lake ranks 29,900 for wildfire risk (1 is highest) and 18,744 by building count (1 is largest). Within Indiana alone, it ranks 613 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Adams Lake and the insurance market
At the 5th national percentile, Adams Lake rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 62.1% of buildings rated Minimal exposure, Adams Lake gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Adams Lake's figures come from
Adams Lake's 5th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Adams Lake's dominant minimal exposure actually means, with real examples from across the dataset.