Laketon, IN
Laketon wildfire risk explained
Laketon sits at the 3rd 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 442 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Laketon at the 2nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Laketon's buildings actually sit
Laketon rates 74% Minimal exposure against just 26% Direct and 0% Indirect — of 442 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Laketon ranks
Laketon's 19th-percentile standing inside Indiana outpaces its 3rd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Laketon ranks 30,730 for wildfire risk (1 is highest) and 18,414 by building count (1 is largest). Within Indiana alone, it ranks 793 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
Laketon'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.
Hardening a home in Laketon
Laketon's 74% 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.
Where Laketon's figures come from
Laketon's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Laketon's dominant minimal exposure actually means, with real examples from across the dataset.