Milaca, MN
Milaca, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Milaca at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 1,477 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Milaca's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Where Milaca's buildings actually sit
USFS puts 67% of Milaca's 1,477 buildings in the Indirect exposure zone, versus 17.2% Direct and 15.8% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Milaca against the rest of the country
Compare Milaca's two percentiles: 90th within Minnesota, only 65th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Milaca ranks 11,160 for wildfire risk (1 is highest) and 9,272 by building count (1 is largest). Within Minnesota alone, it ranks 94 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Milaca
Milaca's high rating (65th 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.
Lowering exposure, not just insuring around it
Because 67% of Milaca'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.
Where Milaca's figures come from
Milaca's 65th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Milaca's dominant indirect exposure actually means, with real examples from across the dataset.