Boy River, MN
Boy River wildfire risk explained
USFS's Wildfire Risk to Communities model puts Boy River at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 47 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Boy River at the 42nd percentile, close to its 42nd-percentile risk score.
Boy River's building exposure, zone by zone
47 buildings are counted in Boy River, and 57.5% 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.
How Boy River compares
Boy River's 58th-percentile standing inside Minnesota outpaces its 42nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Boy River ranks 18,306 for wildfire risk (1 is highest) and 30,998 by building count (1 is largest). Within Minnesota alone, it ranks 383 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 42nd national percentile, Boy River rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Boy River (57.5%), 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
Every one of the two percentiles behind Boy River's 18,306-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Boy River, see the exposure-zones guide.