Finland, MN
How exposed is Finland to wildfire?
Finland sits at the 61st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 312 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 Finland at the 56th percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 98.1% of Finland's buildings as Direct exposure, higher than its 1.9% Indirect share and far above its 0% Minimal share — a profile where 306 structures sit close enough to vegetation that lot clearing matters most.
How Finland compares
Compare Finland's two percentiles: 86th within Minnesota, only 61st nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Finland ranks 12,320 for wildfire risk (1 is highest) and 21,317 by building count (1 is largest). Within Minnesota alone, it ranks 128 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
At the 61st percentile nationally, Finland carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With 98.1% of Finland 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.
Where Finland's figures come from
Finland's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Finland's dominant direct exposure actually means, with real examples from across the dataset.