Lake Lillian, MN
How exposed is Lake Lillian to wildfire?
Lake Lillian's 192 buildings earn a 28th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Lillian's burn probability — fire likelihood with no building count factored in — sits at the 23rd percentile nationally.
What "at risk" means for the buildings here
77.6% of Lake Lillian's 192 buildings sit in USFS's Minimal exposure zone, with only 22.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Lake Lillian against the rest of the country
There's little gap between Lake Lillian's 28th national percentile and its 33rd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lake Lillian ranks 22,815 for wildfire risk (1 is highest) and 25,163 by building count (1 is largest). Within Minnesota alone, it ranks 612 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 Lillian's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Lake Lillian
With 77.6% of buildings rated Minimal exposure, Lake Lillian 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 Lillian's figures come from
Every one of the two percentiles behind Lake Lillian's 22,815-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Lillian's dominant minimal exposure actually means, with real examples from across the dataset.