Lakeville, IN
Lakeville wildfire risk explained
Lakeville sits at the 9th 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 444 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lakeville's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Lakeville's building exposure, zone by zone
82% of Lakeville's 444 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 18% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Lakeville compares
Compare Lakeville's two percentiles: 54th within Indiana, only 9th nationally — a gap of 45 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Lakeville ranks 28,674 for wildfire risk (1 is highest) and 18,377 by building count (1 is largest). Within Indiana alone, it ranks 449 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
Lakeville's low rating (9th 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
Lakeville's 82% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lakeville's figures come from
Every one of the two percentiles behind Lakeville's 28,674-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lakeville's dominant indirect exposure actually means, with real examples from across the dataset.