Cuyuna, MN
How exposed is Cuyuna to wildfire?
Cuyuna sits at the 47th 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 234 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cuyuna's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Where Cuyuna's buildings actually sit
234 buildings are counted in Cuyuna, and 65.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Cuyuna ranks
Compare Cuyuna's two percentiles: 70th within Minnesota, only 47th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Cuyuna ranks 16,609 for wildfire risk (1 is highest) and 23,669 by building count (1 is largest). Within Minnesota alone, it ranks 273 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Cuyuna and the insurance market
Cuyuna's elevated wildfire rating (47th 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
Cuyuna's 65.8% 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
Cuyuna's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cuyuna, see the exposure-zones guide.