Carver, MN
Carver, MN's wildfire risk, in USFS's own numbers
Carver sits at the 43rd 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 1,666 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Carver at the 42nd percentile, close to its 43rd-percentile risk score.
Where Carver's buildings actually sit
1,666 buildings are counted in Carver, and 52.3% of them are Indirect exposure — ember-driven risk rather than the 34.9% in Direct exposure or the 12.8% rated Minimal.
Carver against the rest of the country
Carver's 60th-percentile standing inside Minnesota outpaces its 43rd 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, Carver ranks 17,930 for wildfire risk (1 is highest) and 8,537 by building count (1 is largest). Within Minnesota alone, it ranks 363 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
Carver's elevated wildfire rating (43rd 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Carver (52.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Carver's figures come from
Carver's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Carver's dominant indirect exposure actually means, with real examples from across the dataset.