Badger, MN
How exposed is Badger to wildfire?
Badger sits at the 76th 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 305 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Badger's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Where Badger's buildings actually sit
Badger rates 66.6% Minimal exposure against just 33.4% Direct and 0% Indirect — of 305 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Badger compares
Within Minnesota, Badger ranks higher (96th percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Badger ranks 7,564 for wildfire risk (1 is highest) and 21,501 by building count (1 is largest). Within Minnesota alone, it ranks 34 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Badger and the insurance market
At the 76th percentile nationally, Badger 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.
What would actually reduce this score
Even with 66.6% of Badger 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 Badger's figures come from
Every one of the two percentiles behind Badger's 7,564-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Badger's dominant minimal exposure actually means, with real examples from across the dataset.