Lake Everett, IN
How exposed is Lake Everett to wildfire?
USFS scores Lake Everett at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 116 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Everett's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
75.9% of Lake Everett's 116 buildings sit in USFS's Direct exposure zone, roughly 88 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 24.1% are Minimal.
Lake Everett against the rest of the country
Within Indiana, Lake Everett ranks higher (22nd percentile) than it does nationally (3rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake Everett ranks 30,543 for wildfire risk (1 is highest) and 28,355 by building count (1 is largest). Within Indiana alone, it ranks 754 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Lake Everett and the insurance market
Lake Everett's low wildfire rating (3rd 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
With 75.9% of Lake Everett in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Lake Everett'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 direct exposure implies beyond Lake Everett, see the exposure-zones guide.