Middle River, MN
Middle River, MN's wildfire risk, in USFS's own numbers
Middle River sits at the 79th 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 272 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Middle River at the 80th percentile, close to its 79th-percentile risk score.
Middle River's building exposure, zone by zone
272 buildings are counted in Middle River, and 83.1% of them are Indirect exposure — ember-driven risk rather than the 16.9% in Direct exposure or the 0% rated Minimal.
Middle River against the rest of the country
Within Minnesota, Middle River ranks higher (98th percentile) than it does nationally (79th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Middle River ranks 6,554 for wildfire risk (1 is highest) and 22,441 by building count (1 is largest). Within Minnesota alone, it ranks 24 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Middle River and the insurance market
Middle River's high rating (79th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Because 83.1% of Middle River's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Middle River's 79th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Middle River, see the exposure-zones guide.