Snow Lake, IN
Snow Lake wildfire risk explained
Out of every US place USFS scores, Snow Lake lands at the 12th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 570 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 Snow Lake at the 12th percentile, close to its 12th-percentile risk score.
Snow Lake's building exposure, zone by zone
54.4% of Snow Lake's 570 buildings sit in USFS's Direct exposure zone, roughly 310 structures close enough to burnable vegetation for flame contact, not just embers — 11.2% fall in the Indirect, ember-only zone and 34.4% are Minimal.
How Snow Lake compares
Snow Lake's 61st-percentile standing inside Indiana outpaces its 12th 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, Snow Lake ranks 27,757 for wildfire risk (1 is highest) and 16,247 by building count (1 is largest). Within Indiana alone, it ranks 378 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
At the 12th national percentile, Snow Lake rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Snow Lake's 54.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Snow Lake's figures come from
Every one of the two percentiles behind Snow Lake's 27,757-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Snow Lake's dominant direct exposure actually means, with real examples from across the dataset.