Beaver Bay, MN
How exposed is Beaver Bay to wildfire?
USFS scores Beaver Bay at the 39th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 192 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 Beaver Bay at the 37th percentile, close to its 39th-percentile risk score.
Beaver Bay's building exposure, zone by zone
Most of Beaver Bay's buildings (53.1%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Beaver Bay compares
Beaver Bay scores 39th nationally and 53rd within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Beaver Bay ranks 19,127 for wildfire risk (1 is highest) and 25,162 by building count (1 is largest). Within Minnesota alone, it ranks 427 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Beaver Bay
Beaver Bay's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Beaver Bay
Because 53.1% of Beaver Bay's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Beaver Bay's 19,127-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Beaver Bay, see the exposure-zones guide.