Round Lake, MN
Round Lake wildfire risk explained
Out of every US place USFS scores, Round Lake lands at the 16th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 305 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Round Lake's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
What "at risk" means for the buildings here
Most of Round Lake's buildings (83.3% of 305) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Round Lake against the rest of the country
There's little gap between Round Lake's 16th national percentile and its 20th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Round Lake ranks 26,573 for wildfire risk (1 is highest) and 21,502 by building count (1 is largest). Within Minnesota alone, it ranks 736 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
Round Lake's low wildfire rating (16th 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
Even with 83.3% of Round Lake outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 305 counted buildings into the percentiles shown above for Round Lake. For more on what minimal exposure implies beyond Round Lake, see the exposure-zones guide.