Nett Lake, MN
Nett Lake, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Nett Lake at the 56th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 130 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nett Lake's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Where Nett Lake's buildings actually sit
54.6% of Nett Lake's 130 buildings sit in USFS's Direct exposure zone, roughly 71 structures close enough to burnable vegetation for flame contact, not just embers — 45.4% fall in the Indirect, ember-only zone and 0% are Minimal.
How Nett Lake compares
Nett Lake's 81st-percentile standing inside Minnesota outpaces its 56th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Nett Lake ranks 14,027 for wildfire risk (1 is highest) and 27,717 by building count (1 is largest). Within Minnesota alone, it ranks 173 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
Nett Lake's elevated wildfire rating (56th 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
With 54.6% of Nett Lake in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Nett Lake's 56th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Nett Lake, see the exposure-zones guide.