Indian Lake Estates, FL
Indian Lake Estates wildfire risk explained
Out of every US place USFS scores, Indian Lake Estates lands at the 99th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 772 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 Indian Lake Estates at the 99th percentile, close to its 99th-percentile risk score.
Indian Lake Estates's building exposure, zone by zone
772 buildings are counted in Indian Lake Estates, and 94.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Indian Lake Estates compares
There's little gap between Indian Lake Estates's 99th national percentile and its 99th percentile inside Florida, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Indian Lake Estates ranks 477 for wildfire risk (1 is highest) and 13,897 by building count (1 is largest). Within Florida alone, it ranks 14 of 955 places by risk. See the full county-by-county picture for Florida on its state page.
Indian Lake Estates and the insurance market
Indian Lake Estates's very high rating (99th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Indian Lake Estates (94.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 772 counted buildings into the percentiles shown above for Indian Lake Estates. For more on what direct exposure implies beyond Indian Lake Estates, see the exposure-zones guide.