Bass Lake, IN
Bass Lake wildfire risk explained
Bass Lake's 1,875 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bass Lake at the 13th percentile, close to its 13th-percentile risk score.
Bass Lake's building exposure, zone by zone
48.5% of Bass Lake's 1,875 buildings sit in USFS's Minimal exposure zone, with only 45.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Bass Lake ranks
Bass Lake's 64th-percentile standing inside Indiana outpaces its 13th 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, Bass Lake ranks 27,319 for wildfire risk (1 is highest) and 7,836 by building count (1 is largest). Within Indiana alone, it ranks 345 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
Bass Lake's low wildfire rating (13th 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.
What would actually reduce this score
Even with 48.5% of Bass Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bass Lake's figures come from
Bass Lake's 13th-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 Bass Lake's dominant minimal exposure actually means, with real examples from across the dataset.