Hudson Lake, IN
How exposed is Hudson Lake to wildfire?
Out of every US place USFS scores, Hudson Lake lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 923 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 Hudson Lake at the 13th percentile, close to its 13th-percentile risk score.
Where Hudson Lake's buildings actually sit
USFS classifies 55% of Hudson Lake's buildings as Direct exposure, higher than its 2.1% Indirect share and far above its 42.9% Minimal share — a profile where 508 structures sit close enough to vegetation that lot clearing matters most.
Where Hudson Lake ranks
Hudson 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, Hudson Lake ranks 27,320 for wildfire risk (1 is highest) and 12,528 by building count (1 is largest). Within Indiana alone, it ranks 346 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
Hudson 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
With 55% of Hudson 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.
More on how this number was built
Every one of the two percentiles behind Hudson Lake's 27,320-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Hudson Lake, see the exposure-zones guide.