Lakewood, IN
How exposed is Lakewood to wildfire?
Out of every US place USFS scores, Lakewood lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 283 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lakewood at the 12th percentile, close to its 12th-percentile risk score.
Where Lakewood's buildings actually sit
Only 32.9% of Lakewood's 283 buildings carry Direct exposure and 0% carry Indirect; the remaining 67.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lakewood ranks
Within Indiana, Lakewood ranks higher (60th percentile) than it does nationally (12th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lakewood ranks 27,822 for wildfire risk (1 is highest) and 22,086 by building count (1 is largest). Within Indiana alone, it ranks 382 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Lakewood and the insurance market
Lakewood's low wildfire rating (12th 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.
Lowering exposure, not just insuring around it
With 67.1% of buildings rated Minimal exposure, Lakewood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lakewood's figures come from
Lakewood's 12th-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 Lakewood's dominant minimal exposure actually means, with real examples from across the dataset.