Clear Lake, IN
Clear Lake, IN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Clear Lake at the 17th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 813 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clear Lake at the 18th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Clear Lake: 61.8% of its 813 buildings, versus 12.1% Indirect and 26.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Clear Lake against the rest of the country
Compare Clear Lake's two percentiles: 72nd within Indiana, only 17th nationally — a gap of 55 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clear Lake ranks 26,215 for wildfire risk (1 is highest) and 13,521 by building count (1 is largest). Within Indiana alone, it ranks 276 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
At the 17th national percentile, Clear 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.
Hardening a home in Clear Lake
Clear Lake's 61.8% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Clear Lake's 17th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Clear Lake, see the exposure-zones guide.