Lake Henry, MN
Lake Henry, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lake Henry at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 101 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Henry's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
Where Lake Henry's buildings actually sit
Only 12.9% of Lake Henry's 101 buildings carry Direct exposure and 0% carry Indirect; the remaining 87.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Lake Henry compares
Lake Henry's risk sits at a similar level relative to Minnesota (24th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lake Henry ranks 25,063 for wildfire risk (1 is highest) and 28,998 by building count (1 is largest). Within Minnesota alone, it ranks 693 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Lake Henry and the insurance market
Lake Henry's moderate wildfire rating (21st 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.
Lowering exposure, not just insuring around it
With 87.1% of buildings rated Minimal exposure, Lake Henry gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lake Henry's figures come from
The methodology guide shows exactly how USFS turned 101 counted buildings into the percentiles shown above for Lake Henry. The exposure-zones guide covers what Lake Henry's dominant minimal exposure actually means, with real examples from across the dataset.