West Roy Lake, MN
How exposed is West Roy Lake to wildfire?
West Roy Lake sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 34 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, West Roy Lake's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
West Roy Lake's building exposure, zone by zone
34 buildings are counted in West Roy Lake, and 94.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 5.9% rated Minimal.
How West Roy Lake compares
Within Minnesota, West Roy Lake ranks higher (95th percentile) than it does nationally (73rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, West Roy Lake ranks 8,544 for wildfire risk (1 is highest) and 31,292 by building count (1 is largest). Within Minnesota alone, it ranks 45 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
West Roy Lake's high rating (73rd 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
West Roy Lake's 94.1% 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.
Where West Roy Lake's figures come from
Every one of the two percentiles behind West Roy Lake's 8,544-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what West Roy Lake's dominant direct exposure actually means, with real examples from across the dataset.