Centerville, MN
Centerville, MN's wildfire risk, in USFS's own numbers
USFS scores Centerville at the 54th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,507 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Centerville's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Where Centerville's buildings actually sit
USFS puts 67% of Centerville's 1,507 buildings in the Indirect exposure zone, versus 26.3% Direct and 6.7% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Centerville ranks
Compare Centerville's two percentiles: 79th within Minnesota, only 54th nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Centerville ranks 14,589 for wildfire risk (1 is highest) and 9,136 by building count (1 is largest). Within Minnesota alone, it ranks 189 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
Centerville's elevated rating (54th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Centerville's 67% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Centerville's 54th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Centerville, see the exposure-zones guide.