Harrison Lake, IN
Harrison Lake wildfire risk explained
Harrison Lake sits at the 22nd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 155 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harrison Lake at the 23rd percentile, close to its 22nd-percentile risk score.
What "at risk" means for the buildings here
Of Harrison Lake's 155 counted buildings, 64.5% carry Direct exposure and only 27.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Harrison Lake compares
Within Indiana, Harrison Lake ranks higher (85th percentile) than it does nationally (22nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Harrison Lake ranks 24,702 for wildfire risk (1 is highest) and 26,649 by building count (1 is largest). Within Indiana alone, it ranks 150 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
Harrison Lake's moderate wildfire rating (22nd 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.
Hardening a home in Harrison Lake
With 64.5% of Harrison Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Harrison Lake's figures come from
Harrison Lake's 22nd-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 Harrison Lake's dominant direct exposure actually means, with real examples from across the dataset.