Dovray, MN
Dovray wildfire risk explained
Out of every US place USFS scores, Dovray lands at the 25th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 85 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dovray at the 19th percentile, close to its 25th-percentile risk score.
Where Dovray's buildings actually sit
Dovray rates 78.8% Minimal exposure against just 21.2% Direct and 0% Indirect — of 85 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Dovray ranks
Dovray's risk sits at a similar level relative to Minnesota (29th percentile statewide) as it does nationally (25th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Dovray ranks 23,796 for wildfire risk (1 is highest) and 29,690 by building count (1 is largest). Within Minnesota alone, it ranks 649 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Dovray and the insurance market
Dovray's moderate wildfire rating (25th 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
Even with 78.8% of Dovray 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.
Where Dovray's figures come from
The methodology guide shows exactly how USFS turned 85 counted buildings into the percentiles shown above for Dovray. The exposure-zones guide covers what Dovray's dominant minimal exposure actually means, with real examples from across the dataset.