Roy Lake, MN
Roy Lake wildfire risk explained
Roy Lake's 65 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Roy Lake's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Where Roy Lake's buildings actually sit
100% of Roy Lake's 65 buildings sit in USFS's Direct exposure zone, roughly 65 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Roy Lake compares
Roy Lake's 92nd-percentile standing inside Minnesota outpaces its 67th 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, Roy Lake ranks 10,402 for wildfire risk (1 is highest) and 30,458 by building count (1 is largest). Within Minnesota alone, it ranks 79 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Roy Lake and the insurance market
At the 67th percentile nationally, Roy Lake carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Roy Lake (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Roy Lake's figures come from
Every one of the two percentiles behind Roy Lake's 10,402-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Roy Lake's dominant direct exposure actually means, with real examples from across the dataset.