Finlayson, MN
Finlayson, MN's wildfire risk, in USFS's own numbers
Finlayson's 245 buildings earn a 47th-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 Finlayson at the 48th percentile, close to its 47th-percentile risk score.
Where Finlayson's buildings actually sit
Of Finlayson's 245 counted buildings, 68.6% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Finlayson against the rest of the country
Finlayson's 70th-percentile standing inside Minnesota outpaces its 47th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Finlayson ranks 16,706 for wildfire risk (1 is highest) and 23,300 by building count (1 is largest). Within Minnesota alone, it ranks 278 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Finlayson and the insurance market
Finlayson's elevated rating (47th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Finlayson (68.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Finlayson's figures come from
Finlayson's 47th-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 Finlayson's dominant direct exposure actually means, with real examples from across the dataset.