Indian Lake, PA
Indian Lake, PA's wildfire risk, in USFS's own numbers
Indian Lake's 670 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (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 at the 50th percentile, close to its 51st-percentile risk score.
Where Indian Lake's buildings actually sit
670 buildings are counted in Indian Lake, and 97.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.5% rated Minimal.
Indian Lake against the rest of the country
Compare Indian Lake's two percentiles: 85th within Pennsylvania, only 51st nationally — a gap of 33 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Indian Lake ranks 15,329 for wildfire risk (1 is highest) and 14,969 by building count (1 is largest). Within Pennsylvania alone, it ranks 305 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
Indian Lake and the insurance market
Indian Lake's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Indian Lake (97.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Indian Lake's figures come from
Indian Lake's 51st-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 Indian Lake's dominant direct exposure actually means, with real examples from across the dataset.