Rice Lake (Clearwater), MN
Rice Lake (Clearwater), MN's wildfire risk, in USFS's own numbers
USFS scores Rice Lake (Clearwater) at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 128 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rice Lake (Clearwater)'s burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
What "at risk" means for the buildings here
128 buildings are counted in Rice Lake (Clearwater), and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Rice Lake (Clearwater) ranks
Rice Lake (Clearwater)'s 96th-percentile standing inside Minnesota outpaces its 75th 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, Rice Lake (Clearwater) ranks 8,004 for wildfire risk (1 is highest) and 27,803 by building count (1 is largest). Within Minnesota alone, it ranks 39 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Rice Lake (Clearwater)
Rice Lake (Clearwater)'s 75th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With 100% of Rice Lake (Clearwater) 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.
Where Rice Lake (Clearwater)'s figures come from
Rice Lake (Clearwater)'s 75th-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 Rice Lake (Clearwater)'s dominant direct exposure actually means, with real examples from across the dataset.