Magnolia, MN
Magnolia wildfire risk explained
USFS's Wildfire Risk to Communities model puts Magnolia at the 10th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 153 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Magnolia at the 9th percentile, close to its 10th-percentile risk score.
Where Magnolia's buildings actually sit
Magnolia rates 77.1% Minimal exposure against just 22.9% Direct and 0% Indirect — of 153 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Magnolia against the rest of the country
Magnolia's risk sits at a similar level relative to Minnesota (14th percentile statewide) as it does nationally (10th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Magnolia ranks 28,344 for wildfire risk (1 is highest) and 26,759 by building count (1 is largest). Within Minnesota alone, it ranks 789 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Magnolia and the insurance market
Magnolia's low rating (10th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 77.1% of Magnolia 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 Magnolia's figures come from
Magnolia's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Magnolia's dominant minimal exposure actually means, with real examples from across the dataset.