Lake Shore, MN
Lake Shore, MN's wildfire risk, in USFS's own numbers
Lake Shore's 1,493 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lake Shore at the 51st national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lake Shore's building exposure, zone by zone
Direct exposure dominates in Lake Shore: 92.9% of its 1,493 buildings, versus 1.1% Indirect and 6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Lake Shore against the rest of the country
Lake Shore's 76th-percentile standing inside Minnesota outpaces its 51st national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Lake Shore ranks 15,378 for wildfire risk (1 is highest) and 9,200 by building count (1 is largest). Within Minnesota alone, it ranks 223 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 Shore's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Because Direct exposure dominates in Lake Shore (92.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lake Shore's figures come from
Every one of the two percentiles behind Lake Shore's 15,378-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lake Shore's dominant direct exposure actually means, with real examples from across the dataset.