Lake George, MN
Lake George wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lake George at the 58th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 434 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake George's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
Lake George's building exposure, zone by zone
87.3% of Lake George's 434 buildings sit in USFS's Direct exposure zone, roughly 379 structures close enough to burnable vegetation for flame contact, not just embers — 8.1% fall in the Indirect, ember-only zone and 4.6% are Minimal.
Where Lake George ranks
Within Minnesota, Lake George ranks higher (84th percentile) than it does nationally (58th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Lake George ranks 13,176 for wildfire risk (1 is highest) and 18,566 by building count (1 is largest). Within Minnesota alone, it ranks 144 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 George's elevated wildfire rating (58th 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 Lake George
With 87.3% of Lake George 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 434 counted buildings into the percentiles shown above for Lake George. For more on what direct exposure implies beyond Lake George, see the exposure-zones guide.