Morgan, MN
How exposed is Morgan to wildfire?
Out of every US place USFS scores, Morgan lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 590 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Morgan at the 1st percentile, close to its 1st-percentile risk score.
What "at risk" means for the buildings here
Morgan rates 89% Minimal exposure against just 11% Direct and 0% Indirect — of 590 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Morgan ranks
There's little gap between Morgan's 1st national percentile and its 0th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Morgan ranks 31,365 for wildfire risk (1 is highest) and 15,963 by building count (1 is largest). Within Minnesota alone, it ranks 912 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Morgan and the insurance market
Morgan's low wildfire rating (1st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 89% of Morgan outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Morgan's figures come from
Morgan's 1st-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 Morgan's dominant minimal exposure actually means, with real examples from across the dataset.