Highland (Lake), IN
Highland (Lake), IN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Highland (Lake) lands at the 57th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 12,820 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Highland (Lake) at the 58th percentile, close to its 57th-percentile risk score.
Where Highland (Lake)'s buildings actually sit
Only 0.9% of Highland (Lake)'s 12,820 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 12,820 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Highland (Lake) ranks
Within Indiana, Highland (Lake) ranks higher (100th percentile) than it does nationally (57th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Highland (Lake) ranks 13,640 for wildfire risk (1 is highest) and 1,189 by building count (1 is largest). Within Indiana alone, it ranks 4 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Highland (Lake)
Highland (Lake)'s elevated wildfire rating (57th 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 Highland (Lake)
With 99.1% of buildings rated Minimal exposure, Highland (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 Highland (Lake)'s figures come from
The methodology guide shows exactly how USFS turned 12,820 counted buildings into the percentiles shown above for Highland (Lake). The exposure-zones guide covers what Highland (Lake)'s dominant minimal exposure actually means, with real examples from across the dataset.