Lino Lakes, MN
Lino Lakes, MN's wildfire risk, in USFS's own numbers
Lino Lakes's 8,045 buildings earn a 63rd-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lino Lakes at the 55th percentile, close to its 63rd-percentile risk score.
Lino Lakes's building exposure, zone by zone
Of Lino Lakes's 8,045 counted buildings, 52.5% carry Direct exposure and only 21% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first. At 8,045 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Lino Lakes against the rest of the country
Lino Lakes's 88th-percentile standing inside Minnesota outpaces its 63rd 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, Lino Lakes ranks 11,819 for wildfire risk (1 is highest) and 2,095 by building count (1 is largest). Within Minnesota alone, it ranks 113 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
At the 63rd percentile nationally, Lino Lakes carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Lino Lakes's 52.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 8,045 counted buildings into the percentiles shown above for Lino Lakes. For more on what direct exposure implies beyond Lino Lakes, see the exposure-zones guide.