Lake Bronson, MN
How exposed is Lake Bronson to wildfire?
Lake Bronson's 232 buildings earn a 91st-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Bronson's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Where Lake Bronson's buildings actually sit
50.9% of Lake Bronson's 232 buildings sit in USFS's Direct exposure zone, roughly 118 structures close enough to burnable vegetation for flame contact, not just embers — 49.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Lake Bronson compares
Lake Bronson scores 91st nationally and 100th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Lake Bronson ranks 2,895 for wildfire risk (1 is highest) and 23,740 by building count (1 is largest). Within Minnesota alone, it ranks 4 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
Lake Bronson's very high rating (91st 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.
What would actually reduce this score
Lake Bronson's 50.9% 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
The methodology guide shows exactly how USFS turned 232 counted buildings into the percentiles shown above for Lake Bronson. For more on what direct exposure implies beyond Lake Bronson, see the exposure-zones guide.