Lakes of the Four Seasons, IN
Lakes of the Four Seasons, IN's wildfire risk, in USFS's own numbers
USFS scores Lakes of the Four Seasons at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,701 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lakes of the Four Seasons's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Where Lakes of the Four Seasons's buildings actually sit
88.5% of Lakes of the Four Seasons's 2,701 buildings sit in USFS's Minimal exposure zone, with only 11.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Lakes of the Four Seasons ranks
Compare Lakes of the Four Seasons's two percentiles: 100th within Indiana, only 59th nationally — a gap of 41 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lakes of the Four Seasons ranks 13,041 for wildfire risk (1 is highest) and 5,925 by building count (1 is largest). Within Indiana alone, it ranks 3 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
Lakes of the Four Seasons's elevated rating (59th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 88.5% of buildings rated Minimal exposure, Lakes of the Four Seasons 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
The methodology guide shows exactly how USFS turned 2,701 counted buildings into the percentiles shown above for Lakes of the Four Seasons. For more on what minimal exposure implies beyond Lakes of the Four Seasons, see the exposure-zones guide.