Clara City, MN
Clara City, MN's wildfire risk, in USFS's own numbers
Clara City sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 819 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 Clara City at the 5th percentile, close to its 7th-percentile risk score.
Clara City's building exposure, zone by zone
Only 4.2% of Clara City's 819 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Clara City against the rest of the country
Clara City's risk sits at a similar level relative to Minnesota (10th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clara City ranks 29,412 for wildfire risk (1 is highest) and 13,464 by building count (1 is largest). Within Minnesota alone, it ranks 821 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Clara City and the insurance market
Clara City's low wildfire rating (7th 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.
What would actually reduce this score
With 95.9% of buildings rated Minimal exposure, Clara City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Clara City's 29,412-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Clara City, see the exposure-zones guide.