Lakefield, MN
How exposed is Lakefield to wildfire?
USFS's Wildfire Risk to Communities model puts Lakefield at the 24th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 1,188 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lakefield at the 19th percentile, close to its 24th-percentile risk score.
Where Lakefield's buildings actually sit
69.3% of Lakefield's 1,188 buildings sit in USFS's Minimal exposure zone, with only 30.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Lakefield ranks
Lakefield's risk sits at a similar level relative to Minnesota (28th percentile statewide) as it does nationally (24th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lakefield ranks 24,080 for wildfire risk (1 is highest) and 10,720 by building count (1 is largest). Within Minnesota alone, it ranks 661 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
Lakefield's moderate wildfire rating (24th 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 Lakefield
Lakefield's 69.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Lakefield's 24,080-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lakefield, see the exposure-zones guide.