Courtland, MN
Courtland wildfire risk explained
USFS scores Courtland at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 467 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Courtland at the 31st percentile, close to its 34th-percentile risk score.
Courtland's building exposure, zone by zone
467 buildings are counted in Courtland, and 49% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 16.7% rated Minimal.
Courtland against the rest of the country
Courtland scores 34th nationally and 42nd 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, Courtland ranks 20,857 for wildfire risk (1 is highest) and 17,941 by building count (1 is largest). Within Minnesota alone, it ranks 527 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 34th national percentile, Courtland rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Courtland's 49% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Courtland's 20,857-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Courtland, see the exposure-zones guide.