Bagley, MN
How exposed is Bagley to wildfire?
USFS scores Bagley at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 959 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bagley at the 63rd percentile, close to its 66th-percentile risk score.
Where Bagley's buildings actually sit
959 buildings are counted in Bagley, and 65.2% of them are Indirect exposure — ember-driven risk rather than the 34.8% in Direct exposure or the 0% rated Minimal.
How Bagley compares
Compare Bagley's two percentiles: 90th within Minnesota, only 66th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Bagley ranks 10,870 for wildfire risk (1 is highest) and 12,229 by building count (1 is largest). Within Minnesota alone, it ranks 89 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
Bagley's 66th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Bagley's 65.2% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Bagley's 10,870-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Bagley, see the exposure-zones guide.