Lake Holiday, IN
Lake Holiday wildfire risk explained
Lake Holiday sits at the 12th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 523 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Holiday at the 12th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lake Holiday's building exposure, zone by zone
Direct exposure dominates in Lake Holiday: 90.8% of its 523 buildings, versus 3.4% Indirect and 5.7% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Lake Holiday against the rest of the country
Compare Lake Holiday's two percentiles: 61st within Indiana, only 12th nationally — a gap of 49 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lake Holiday ranks 27,730 for wildfire risk (1 is highest) and 16,979 by building count (1 is largest). Within Indiana alone, it ranks 376 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
Lake Holiday's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lake Holiday's 90.8% 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 Lake Holiday's 27,730-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lake Holiday, see the exposure-zones guide.