Ball Club, MN
Ball Club wildfire risk explained
Ball Club sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 183 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ball Club at the 41st national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ball Club's buildings actually sit
183 buildings are counted in Ball Club, and 89.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Ball Club ranks
Compare Ball Club's two percentiles: 64th within Minnesota, only 45th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ball Club ranks 17,453 for wildfire risk (1 is highest) and 25,502 by building count (1 is largest). Within Minnesota alone, it ranks 330 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
At the 45th national percentile, Ball Club rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Ball Club (89.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Ball Club's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Ball Club, see the exposure-zones guide.