Forada, MN
Forada wildfire risk explained
Forada sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 205 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 Forada at the 48th percentile, close to its 52nd-percentile risk score.
What "at risk" means for the buildings here
Only 44.9% of Forada's 205 buildings carry Direct exposure and 0% carry Indirect; the remaining 55.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Forada compares
Compare Forada's two percentiles: 77th within Minnesota, only 52nd nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Forada ranks 15,032 for wildfire risk (1 is highest) and 24,662 by building count (1 is largest). Within Minnesota alone, it ranks 209 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 52nd national percentile, Forada rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 55.1% of Forada 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.
More on how this number was built
Forada's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Forada, see the exposure-zones guide.