Credit River, MN
Credit River wildfire risk explained
Credit River sits at the 45th 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 2,826 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Credit River's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Where Credit River's buildings actually sit
USFS classifies 87.3% of Credit River's buildings as Direct exposure, higher than its 3.8% Indirect share and far above its 8.9% Minimal share — a profile where 2,467 structures sit close enough to vegetation that lot clearing matters most.
Credit River against the rest of the country
Credit River's 66th-percentile standing inside Minnesota outpaces its 45th 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, Credit River ranks 17,206 for wildfire risk (1 is highest) and 5,707 by building count (1 is largest). Within Minnesota alone, it ranks 316 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Credit River and the insurance market
Credit River's elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Credit River
Credit River's 87.3% 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 Credit River's 17,206-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Credit River, see the exposure-zones guide.