Hoyt Lakes, MN
Hoyt Lakes, MN's wildfire risk, in USFS's own numbers
USFS scores Hoyt Lakes at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,535 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hoyt Lakes's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Where Hoyt Lakes's buildings actually sit
USFS puts 81% of Hoyt Lakes's 1,535 buildings in the Indirect exposure zone, versus 18.4% Direct and 0.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Hoyt Lakes ranks
Within Minnesota, Hoyt Lakes ranks higher (75th percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hoyt Lakes ranks 15,661 for wildfire risk (1 is highest) and 9,010 by building count (1 is largest). Within Minnesota alone, it ranks 234 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
Hoyt Lakes's elevated wildfire rating (50th 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.
Hardening a home in Hoyt Lakes
Because 81% of Hoyt Lakes's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Hoyt Lakes's figures come from
Every one of the two percentiles behind Hoyt Lakes's 15,661-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hoyt Lakes's dominant indirect exposure actually means, with real examples from across the dataset.