Lakeland Shores, MN
Lakeland Shores wildfire risk explained
Lakeland Shores sits at the 37th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 176 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lakeland Shores at the 39th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Lakeland Shores's buildings actually sit
50.6% of Lakeland Shores's 176 buildings sit in USFS's Direct exposure zone, roughly 89 structures close enough to burnable vegetation for flame contact, not just embers — 48.9% fall in the Indirect, ember-only zone and 0.6% are Minimal.
Lakeland Shores against the rest of the country
Lakeland Shores's risk sits at a similar level relative to Minnesota (50th percentile statewide) as it does nationally (37th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lakeland Shores ranks 19,730 for wildfire risk (1 is highest) and 25,784 by building count (1 is largest). Within Minnesota alone, it ranks 459 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
Lakeland Shores's moderate rating (37th 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 Lakeland Shores
Lakeland Shores's 50.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Lakeland Shores's figures come from
Lakeland Shores's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Lakeland Shores's dominant direct exposure actually means, with real examples from across the dataset.