Lake of the Woods, IN
How exposed is Lake of the Woods to wildfire?
Lake of the Woods's 654 buildings earn a 2nd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake of the Woods at the 2nd national percentile — 0 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
USFS classifies 87.9% of Lake of the Woods's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Lake of the Woods against the rest of the country
There's little gap between Lake of the Woods's 2nd national percentile and its 13th percentile inside Indiana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lake of the Woods ranks 30,913 for wildfire risk (1 is highest) and 15,149 by building count (1 is largest). Within Indiana alone, it ranks 837 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Lake of the Woods and the insurance market
Lake of the Woods's low wildfire rating (2nd 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.
What would actually reduce this score
Lake of the Woods's 87.9% 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
The methodology guide shows exactly how USFS turned 654 counted buildings into the percentiles shown above for Lake of the Woods. For more on what minimal exposure implies beyond Lake of the Woods, see the exposure-zones guide.