Spring Lake, IN
How exposed is Spring Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Spring Lake at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 148 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Lake's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
What "at risk" means for the buildings here
73% of Spring Lake's 148 buildings sit in USFS's Direct exposure zone, roughly 108 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 27% are Minimal.
Where Spring Lake ranks
Compare Spring Lake's two percentiles: 38th within Indiana, only 5th nationally — a gap of 32 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spring Lake ranks 29,845 for wildfire risk (1 is highest) and 26,948 by building count (1 is largest). Within Indiana alone, it ranks 607 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
Spring Lake's low wildfire rating (5th 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.
Hardening a home in Spring Lake
With 73% of Spring Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Spring Lake's figures come from
Every one of the two percentiles behind Spring Lake's 29,845-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Spring Lake's dominant direct exposure actually means, with real examples from across the dataset.