Shamrock Lakes, IN
How exposed is Shamrock Lakes to wildfire?
USFS scores Shamrock Lakes at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 121 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Shamrock Lakes at the 4th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Shamrock Lakes's buildings actually sit
USFS classifies 50.4% of Shamrock Lakes's buildings as Direct exposure, higher than its 0% Indirect share and far above its 49.6% Minimal share — a profile where 61 structures sit close enough to vegetation that lot clearing matters most.
How Shamrock Lakes compares
Shamrock Lakes's 29th-percentile standing inside Indiana outpaces its 4th 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, Shamrock Lakes ranks 30,258 for wildfire risk (1 is highest) and 28,103 by building count (1 is largest). Within Indiana alone, it ranks 688 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shamrock Lakes and the insurance market
At the 4th national percentile, Shamrock Lakes rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Shamrock Lakes
Because Direct exposure dominates in Shamrock Lakes (50.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Shamrock Lakes's figures come from
Shamrock Lakes's 4th-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 Shamrock Lakes's dominant direct exposure actually means, with real examples from across the dataset.