Gully, MN
Gully wildfire risk explained
USFS scores Gully at the 89th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 95 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gully at the 88th national percentile — 1 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
57.9% of Gully's 95 buildings sit in USFS's Direct exposure zone, roughly 55 structures close enough to burnable vegetation for flame contact, not just embers — 42.1% fall in the Indirect, ember-only zone and 0% are Minimal.
How Gully compares
There's little gap between Gully's 89th national percentile and its 100th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gully ranks 3,372 for wildfire risk (1 is highest) and 29,271 by building count (1 is largest). Within Minnesota alone, it ranks 5 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Gully and the insurance market
Gully's 89th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 57.9% of Gully 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.
More on how this number was built
Every one of the two percentiles behind Gully's 3,372-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Gully, see the exposure-zones guide.