Indian Mountain Lake, PA
Indian Mountain Lake wildfire risk explained
USFS scores Indian Mountain Lake at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,835 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 Mountain Lake at the 61st national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Indian Mountain Lake: 98.4% of its 2,835 buildings, versus 1.6% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Indian Mountain Lake ranks
Compare Indian Mountain Lake's two percentiles: 98th within Pennsylvania, only 62nd nationally — a gap of 36 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Indian Mountain Lake ranks 11,886 for wildfire risk (1 is highest) and 5,688 by building count (1 is largest). Within Pennsylvania alone, it ranks 44 of 1,991 places by risk. See the full county-by-county picture for Pennsylvania on its state page.
What this risk score means for insurance
Indian Mountain Lake's high rating (62nd 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.
What would actually reduce this score
Indian Mountain Lake's 98.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Indian Mountain Lake's 11,886-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Indian Mountain Lake, see the exposure-zones guide.