Madison Lake, MN
Madison Lake wildfire risk explained
Madison Lake sits at the 18th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 617 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Madison Lake's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Madison Lake's building exposure, zone by zone
Most of Madison Lake's buildings (81% of 617) 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 Madison Lake compares
Madison Lake's risk sits at a similar level relative to Minnesota (21st percentile statewide) as it does nationally (18th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Madison Lake ranks 25,878 for wildfire risk (1 is highest) and 15,607 by building count (1 is largest). Within Minnesota alone, it ranks 721 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
Madison Lake's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 81% of buildings rated Minimal exposure, Madison 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 617 counted buildings into the percentiles shown above for Madison Lake. For more on what minimal exposure implies beyond Madison Lake, see the exposure-zones guide.