Bingham Lake, MN
Bingham Lake, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bingham Lake at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 139 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 Bingham Lake at the 6th percentile, close to its 9th-percentile risk score.
Bingham Lake's building exposure, zone by zone
56.8% of Bingham Lake's 139 buildings sit in USFS's Minimal exposure zone, with only 43.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Bingham Lake ranks
Bingham Lake scores 9th nationally and 12th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Bingham Lake ranks 28,775 for wildfire risk (1 is highest) and 27,329 by building count (1 is largest). Within Minnesota alone, it ranks 805 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Bingham Lake and the insurance market
Bingham Lake's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Bingham Lake
Even with 56.8% of Bingham 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 Bingham Lake's figures come from
Bingham Lake's 9th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bingham Lake's dominant minimal exposure actually means, with real examples from across the dataset.