Minnesota Lake, MN
How exposed is Minnesota Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Minnesota Lake at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 464 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Minnesota Lake at the 15th national percentile — 7 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
80.8% of Minnesota Lake's 464 buildings sit in USFS's Minimal exposure zone, with only 19.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Minnesota Lake against the rest of the country
Minnesota Lake's risk sits at a similar level relative to Minnesota (26th percentile statewide) as it does nationally (23rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Minnesota Lake ranks 24,429 for wildfire risk (1 is highest) and 17,989 by building count (1 is largest). Within Minnesota alone, it ranks 676 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Minnesota Lake and the insurance market
Minnesota Lake's moderate wildfire rating (23rd 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.
What would actually reduce this score
Minnesota Lake's 80.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 464 counted buildings into the percentiles shown above for Minnesota Lake. For more on what minimal exposure implies beyond Minnesota Lake, see the exposure-zones guide.