Lismore, MN
Lismore, MN's wildfire risk, in USFS's own numbers
Lismore's 189 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lismore at the 2nd percentile, close to its 3rd-percentile risk score.
What "at risk" means for the buildings here
Only 22.8% of Lismore's 189 buildings carry Direct exposure and 0% carry Indirect; the remaining 77.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Lismore against the rest of the country
There's little gap between Lismore's 3rd national percentile and its 5th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lismore ranks 30,455 for wildfire risk (1 is highest) and 25,282 by building count (1 is largest). Within Minnesota alone, it ranks 866 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
Lismore's low wildfire rating (3rd 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.
Lowering exposure, not just insuring around it
Even with 77.3% of Lismore 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
Every one of the two percentiles behind Lismore's 30,455-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lismore, see the exposure-zones guide.