Little Falls, MN
Little Falls wildfire risk explained
Little Falls's 4,374 buildings earn a 68th-percentile wildfire-risk score nationally under USFS's model — well above the national norm 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 Little Falls at the 69th percentile, close to its 68th-percentile risk score.
Little Falls's building exposure, zone by zone
Little Falls rates 53.5% Minimal exposure against just 21.9% Direct and 24.7% Indirect — of 4,374 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Little Falls compares
Within Minnesota, Little Falls ranks higher (92nd percentile) than it does nationally (68th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Little Falls ranks 9,956 for wildfire risk (1 is highest) and 3,903 by building count (1 is largest). Within Minnesota alone, it ranks 70 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 68th percentile nationally, Little Falls carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 53.5% of Little Falls 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.
Where Little Falls's figures come from
Every one of the two percentiles behind Little Falls's 9,956-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Little Falls's dominant minimal exposure actually means, with real examples from across the dataset.