McKinley, MN
McKinley, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts McKinley at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 127 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks McKinley at the 44th national percentile — 1 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
50.4% of McKinley's 127 buildings sit in USFS's Direct exposure zone, roughly 64 structures close enough to burnable vegetation for flame contact, not just embers — 49.6% fall in the Indirect, ember-only zone and 0% are Minimal.
McKinley against the rest of the country
McKinley's 64th-percentile standing inside Minnesota outpaces its 45th 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, McKinley ranks 17,454 for wildfire risk (1 is highest) and 27,856 by building count (1 is largest). Within Minnesota alone, it ranks 331 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in McKinley
McKinley's elevated rating (45th 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
McKinley's 50.4% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 127 counted buildings into the percentiles shown above for McKinley. For more on what direct exposure implies beyond McKinley, see the exposure-zones guide.