What are the most dangerous times for exposure to the sun's rays?

The intensity of the Sun is directly related to it's height in the sky.

Mid- Day is therefore the most dangerous time.

In Indiana, on the far far west of EDT zone, mid-day does not occur until around 1:50pm. You can figure mid-day locally by taking the halfway point between sunrise and sunset at your location. Should be about 1pm most places on DST, and around noon when on Standard time.

I try to avoid the sun from 12 noon -3:40pm in the spring-summer months. I never burn if I follow this plan, and I am very fair skinned.

MTW