Ham Lake, MN
Ham Lake, MN's wildfire risk, in USFS's own numbers
Ham Lake's 7,765 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ham Lake at the 61st national percentile — 8 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
7,765 buildings are counted in Ham Lake, and 84.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 12.8% rated Minimal. At 7,765 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Ham Lake against the rest of the country
Compare Ham Lake's two percentiles: 93rd within Minnesota, only 69th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ham Lake ranks 9,798 for wildfire risk (1 is highest) and 2,193 by building count (1 is largest). Within Minnesota alone, it ranks 66 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
Ham Lake's high rating (69th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 84.3% of Ham Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Ham Lake's figures come from
Every one of the two percentiles behind Ham Lake's 9,798-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ham Lake's dominant direct exposure actually means, with real examples from across the dataset.