Silver Lake, IN
Silver Lake, IN's wildfire risk, in USFS's own numbers
Silver Lake sits at the 4th 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 641 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Silver Lake at the 4th percentile, close to its 4th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 75.8% of Silver Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 24.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Silver Lake compares
Silver Lake's 27th-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, Silver Lake ranks 30,353 for wildfire risk (1 is highest) and 15,306 by building count (1 is largest). Within Indiana alone, it ranks 710 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
Silver Lake's low rating (4th 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
Even with 75.8% of Silver Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Silver Lake's figures come from
Every one of the two percentiles behind Silver Lake's 30,353-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Silver Lake's dominant minimal exposure actually means, with real examples from across the dataset.