Maple Lake, MN
How exposed is Maple Lake to wildfire?
Out of every US place USFS scores, Maple Lake lands at the 33rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 996 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Maple Lake at the 29th national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
Maple Lake's building exposure, zone by zone
USFS classifies 86.4% of Maple Lake's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Maple Lake compares
Maple Lake's risk sits at a similar level relative to Minnesota (42nd percentile statewide) as it does nationally (33rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Maple Lake ranks 20,988 for wildfire risk (1 is highest) and 11,964 by building count (1 is largest). Within Minnesota alone, it ranks 535 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Maple Lake
Maple Lake's moderate wildfire rating (33rd 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 86.4% of Maple Lake 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.
Where Maple Lake's figures come from
Maple Lake's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Maple Lake's dominant minimal exposure actually means, with real examples from across the dataset.