Crosslake, MN
How exposed is Crosslake to wildfire?
Out of every US place USFS scores, Crosslake lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 3,491 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 Crosslake at the 47th percentile, close to its 49th-percentile risk score.
What "at risk" means for the buildings here
Of Crosslake's 3,491 counted buildings, 91.8% carry Direct exposure and only 6.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Crosslake against the rest of the country
Compare Crosslake's two percentiles: 73rd within Minnesota, only 49th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Crosslake ranks 16,103 for wildfire risk (1 is highest) and 4,783 by building count (1 is largest). Within Minnesota alone, it ranks 251 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Crosslake
Crosslake's elevated wildfire rating (49th 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
Crosslake's 91.8% 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 Crosslake's figures come from
Every one of the two percentiles behind Crosslake's 16,103-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Crosslake's dominant direct exposure actually means, with real examples from across the dataset.