Lake Bruce, IN
How exposed is Lake Bruce to wildfire?
USFS scores Lake Bruce at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 306 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Bruce at the 2nd percentile, close to its 3rd-percentile risk score.
Lake Bruce's building exposure, zone by zone
80.1% of Lake Bruce's 306 buildings sit in USFS's Minimal exposure zone, with only 19.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Lake Bruce ranks
Compare Lake Bruce's two percentiles: 19th within Indiana, only 3rd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Bruce ranks 30,696 for wildfire risk (1 is highest) and 21,466 by building count (1 is largest). Within Indiana alone, it ranks 784 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
At the 3rd national percentile, Lake Bruce rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 80.1% of buildings rated Minimal exposure, Lake Bruce gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Lake Bruce's 3rd-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 Lake Bruce, see the exposure-zones guide.