Long Lake, MN
How exposed is Long Lake to wildfire?
USFS scores Long Lake at the 48th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 767 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Long Lake's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Where Long Lake's buildings actually sit
Most of Long Lake's buildings (77.3% of 767) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Long Lake compares
Within Minnesota, Long Lake ranks higher (71st percentile) than it does nationally (48th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Long Lake ranks 16,543 for wildfire risk (1 is highest) and 13,943 by building count (1 is largest). Within Minnesota alone, it ranks 271 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
Long Lake's elevated wildfire rating (48th 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 Long Lake
With 77.3% of buildings rated Minimal exposure, Long Lake gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 767 counted buildings into the percentiles shown above for Long Lake. For more on what minimal exposure implies beyond Long Lake, see the exposure-zones guide.