Marine on St. Croix, MN
Marine on St. Croix, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Marine on St. Croix at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 525 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Marine on St. Croix's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Marine on St. Croix's building exposure, zone by zone
525 buildings are counted in Marine on St. Croix, and 84% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Marine on St. Croix against the rest of the country
Marine on St. Croix's 58th-percentile standing inside Minnesota outpaces its 42nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Marine on St. Croix ranks 18,307 for wildfire risk (1 is highest) and 16,941 by building count (1 is largest). Within Minnesota alone, it ranks 384 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Marine on St. Croix and the insurance market
At the 42nd national percentile, Marine on St. Croix rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 84% of Marine on St. Croix 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
Marine on St. Croix's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Marine on St. Croix, see the exposure-zones guide.