Eagle Bend, MN
How exposed is Eagle Bend to wildfire?
Eagle Bend's 396 buildings earn a 45th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Eagle Bend at the 42nd percentile, close to its 45th-percentile risk score.
What "at risk" means for the buildings here
Most of Eagle Bend's buildings (57.3% of 396) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Eagle Bend compares
Compare Eagle Bend's two percentiles: 65th within Minnesota, only 45th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Eagle Bend ranks 17,364 for wildfire risk (1 is highest) and 19,303 by building count (1 is largest). Within Minnesota alone, it ranks 321 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
Eagle Bend's elevated wildfire rating (45th 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
Eagle Bend's 57.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 396 counted buildings into the percentiles shown above for Eagle Bend. For more on what minimal exposure implies beyond Eagle Bend, see the exposure-zones guide.