Fish Lake, MN
Fish Lake wildfire risk explained
Fish Lake sits at the 47th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 94 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fish Lake's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
What "at risk" means for the buildings here
94 buildings are counted in Fish Lake, and 67% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 33% rated Minimal.
Fish Lake against the rest of the country
Compare Fish Lake's two percentiles: 70th within Minnesota, only 47th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Fish Lake ranks 16,733 for wildfire risk (1 is highest) and 29,314 by building count (1 is largest). Within Minnesota alone, it ranks 279 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Fish Lake and the insurance market
Fish Lake's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Fish Lake's 67% 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.
More on how this number was built
Fish Lake's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Fish Lake, see the exposure-zones guide.