Funkley, MN
How exposed is Funkley to wildfire?
Funkley's 33 buildings earn a 44th-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Funkley at the 44th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 100% of Funkley's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 33 structures sit close enough to vegetation that lot clearing matters most.
Where Funkley ranks
Compare Funkley's two percentiles: 62nd within Minnesota, only 44th nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Funkley ranks 17,738 for wildfire risk (1 is highest) and 31,313 by building count (1 is largest). Within Minnesota alone, it ranks 345 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
Funkley's elevated wildfire rating (44th 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.
Hardening a home in Funkley
Funkley's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Funkley's figures come from
The methodology guide shows exactly how USFS turned 33 counted buildings into the percentiles shown above for Funkley. The exposure-zones guide covers what Funkley's dominant direct exposure actually means, with real examples from across the dataset.