Donnelly, MN
How exposed is Donnelly to wildfire?
Donnelly sits at the 48th 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 282 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 Donnelly at the 39th percentile, close to its 48th-percentile risk score.
Where Donnelly's buildings actually sit
Donnelly rates 66% Minimal exposure against just 34% Direct and 0% Indirect — of 282 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Donnelly against the rest of the country
Within Minnesota, Donnelly ranks higher (70th percentile) than it does nationally (48th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Donnelly ranks 16,542 for wildfire risk (1 is highest) and 22,120 by building count (1 is largest). Within Minnesota alone, it ranks 270 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
Donnelly's elevated wildfire rating (48th 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.
Hardening a home in Donnelly
Even with 66% of Donnelly outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 282 counted buildings into the percentiles shown above for Donnelly. For more on what minimal exposure implies beyond Donnelly, see the exposure-zones guide.