Moose Lake, MN
Moose Lake wildfire risk explained
USFS scores Moose Lake at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 826 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Moose Lake's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Moose Lake's building exposure, zone by zone
70.3% of Moose Lake's 826 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 28.3% Direct and 1.3% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Moose Lake compares
There's little gap between Moose Lake's 39th national percentile and its 51st percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Moose Lake ranks 19,345 for wildfire risk (1 is highest) and 13,389 by building count (1 is largest). Within Minnesota alone, it ranks 446 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Moose Lake and the insurance market
Moose Lake's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Moose Lake
With ember exposure the dominant pattern in Moose Lake (70.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Moose Lake's 19,345-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Moose Lake, see the exposure-zones guide.