Garvin, MN
Garvin, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Garvin lands at the 24th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 130 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garvin at the 20th national percentile — 4 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
Garvin rates 59.2% Minimal exposure against just 40.8% Direct and 0% Indirect — of 130 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Garvin compares
Garvin scores 24th nationally and 28th 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, Garvin ranks 23,988 for wildfire risk (1 is highest) and 27,716 by building count (1 is largest). Within Minnesota alone, it ranks 657 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Garvin and the insurance market
Garvin's moderate wildfire rating (24th 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.
What would actually reduce this score
Even with 59.2% of Garvin 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
The methodology guide shows exactly how USFS turned 130 counted buildings into the percentiles shown above for Garvin. For more on what minimal exposure implies beyond Garvin, see the exposure-zones guide.