Indian Lake, TX
How exposed is Indian Lake to wildfire?
USFS scores Indian Lake at the 70th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 371 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Indian Lake at the 72nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Indian Lake's buildings actually sit
Only 10% of Indian Lake's 371 buildings carry Direct exposure and 0% carry Indirect; the remaining 90% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Indian Lake compares
Indian Lake ranks lower within Texas (32nd percentile statewide) than its 70th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Indian Lake ranks 9,339 for wildfire risk (1 is highest) and 19,849 by building count (1 is largest). Within Texas alone, it ranks 1,220 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Indian Lake and the insurance market
At the 70th percentile nationally, Indian Lake carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Indian Lake's 90% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Indian Lake's 70th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Indian Lake, see the exposure-zones guide.