Eagle Lake, MN
How exposed is Eagle Lake to wildfire?
Eagle Lake sits at the 25th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,085 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Eagle Lake at the 19th national percentile — 7 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
83.6% of Eagle Lake's 1,085 buildings sit in USFS's Minimal exposure zone, with only 16.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Eagle Lake against the rest of the country
Eagle Lake's risk sits at a similar level relative to Minnesota (30th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Eagle Lake ranks 23,543 for wildfire risk (1 is highest) and 11,376 by building count (1 is largest). Within Minnesota alone, it ranks 640 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
At the 25th national percentile, Eagle Lake rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Eagle Lake
Even with 83.6% of Eagle 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 Eagle Lake's figures come from
The methodology guide shows exactly how USFS turned 1,085 counted buildings into the percentiles shown above for Eagle Lake. The exposure-zones guide covers what Eagle Lake's dominant minimal exposure actually means, with real examples from across the dataset.