Marble, MN
Marble wildfire risk explained
Marble's 519 buildings earn a 37th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Marble at the 36th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Marble's building exposure, zone by zone
Indirect exposure is dominant in Marble (70.1% of 519 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 29.9% sit in the Direct zone.
How Marble compares
Marble's risk sits at a similar level relative to Minnesota (50th percentile statewide) as it does nationally (37th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Marble ranks 19,789 for wildfire risk (1 is highest) and 17,041 by building count (1 is largest). Within Minnesota alone, it ranks 464 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
Marble's moderate wildfire rating (37th 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
Marble's 70.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 519 counted buildings into the percentiles shown above for Marble. For more on what indirect exposure implies beyond Marble, see the exposure-zones guide.