McGregor, MN
McGregor wildfire risk explained
McGregor sits at the 70th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 331 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McGregor at the 64th national percentile — 6 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
73.1% of McGregor's 331 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 26.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How McGregor compares
Compare McGregor's two percentiles: 93rd within Minnesota, only 70th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, McGregor ranks 9,581 for wildfire risk (1 is highest) and 20,796 by building count (1 is largest). Within Minnesota alone, it ranks 61 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
McGregor and the insurance market
McGregor's 70th-percentile, 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
McGregor's 73.1% 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
Every one of the two percentiles behind McGregor's 9,581-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond McGregor, see the exposure-zones guide.