Red Lake, MN
How exposed is Red Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Red Lake at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 806 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Red Lake's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Where Red Lake's buildings actually sit
Direct exposure dominates in Red Lake: 83.5% of its 806 buildings, versus 16.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Red Lake compares
Red Lake's 89th-percentile standing inside Minnesota outpaces its 64th 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, Red Lake ranks 11,379 for wildfire risk (1 is highest) and 13,583 by building count (1 is largest). Within Minnesota alone, it ranks 102 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Red Lake and the insurance market
Red Lake's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Red Lake's 83.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Red Lake's 11,379-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Red Lake, see the exposure-zones guide.