Avoca, MN
Avoca wildfire risk explained
Avoca's 158 buildings earn a 8th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Avoca at the 5th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Avoca's buildings actually sit
71.5% of Avoca's 158 buildings sit in USFS's Minimal exposure zone, with only 28.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Avoca ranks
There's little gap between Avoca's 8th national percentile and its 11th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Avoca ranks 28,998 for wildfire risk (1 is highest) and 26,532 by building count (1 is largest). Within Minnesota alone, it ranks 812 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
Avoca's low wildfire rating (8th 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 71.5% of Avoca 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.
Where Avoca's figures come from
The methodology guide shows exactly how USFS turned 158 counted buildings into the percentiles shown above for Avoca. The exposure-zones guide covers what Avoca's dominant minimal exposure actually means, with real examples from across the dataset.