Bovey, MN
How exposed is Bovey to wildfire?
Bovey's 504 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bovey at the 35th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Bovey's building exposure, zone by zone
Most of Bovey's buildings (89.1%) 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 Bovey compares
Bovey scores 36th nationally and 48th 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, Bovey ranks 20,070 for wildfire risk (1 is highest) and 17,267 by building count (1 is largest). Within Minnesota alone, it ranks 480 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Bovey and the insurance market
Bovey's moderate wildfire rating (36th 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.
Hardening a home in Bovey
Because 89.1% of Bovey'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
The methodology guide shows exactly how USFS turned 504 counted buildings into the percentiles shown above for Bovey. For more on what indirect exposure implies beyond Bovey, see the exposure-zones guide.