Tri-Lakes, IN
How exposed is Tri-Lakes to wildfire?
USFS's Wildfire Risk to Communities model puts Tri-Lakes at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 1,115 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tri-Lakes at the 5th percentile, close to its 5th-percentile risk score.
Where Tri-Lakes's buildings actually sit
Most of Tri-Lakes's buildings (60% of 1,115) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Tri-Lakes against the rest of the country
Compare Tri-Lakes's two percentiles: 35th within Indiana, only 5th nationally — a gap of 30 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Tri-Lakes ranks 29,973 for wildfire risk (1 is highest) and 11,184 by building count (1 is largest). Within Indiana alone, it ranks 629 of 967 places by risk. See the full county-by-county picture for Indiana on its state page.
Shopping for coverage in Tri-Lakes
Tri-Lakes'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.
Lowering exposure, not just insuring around it
Even with 60% of Tri-Lakes 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 Tri-Lakes's figures come from
Every one of the two percentiles behind Tri-Lakes's 29,973-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Tri-Lakes's dominant minimal exposure actually means, with real examples from across the dataset.