Lilydale, MN
How exposed is Lilydale to wildfire?
USFS scores Lilydale at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 94 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lilydale at the 36th percentile, close to its 36th-percentile risk score.
Where Lilydale's buildings actually sit
89.4% of Lilydale's 94 buildings sit in USFS's Minimal exposure zone, with only 10.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Lilydale against the rest of the country
Lilydale's risk sits at a similar level relative to Minnesota (47th percentile statewide) as it does nationally (36th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lilydale ranks 20,202 for wildfire risk (1 is highest) and 29,315 by building count (1 is largest). Within Minnesota alone, it ranks 490 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Lilydale and the insurance market
Lilydale's moderate wildfire rating (36th 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.
What would actually reduce this score
Even with 89.4% of Lilydale outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Lilydale's 36th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Lilydale, see the exposure-zones guide.