Effie, MN
How exposed is Effie to wildfire?
Effie's 132 buildings earn a 31st-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Effie at the 30th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Effie's buildings actually sit
132 buildings are counted in Effie, and 100% 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 Effie ranks
Effie scores 31st nationally and 37th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Effie ranks 21,903 for wildfire risk (1 is highest) and 27,622 by building count (1 is largest). Within Minnesota alone, it ranks 576 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
Effie's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 100% of Effie in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Effie's 21,903-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Effie, see the exposure-zones guide.