Naytahwaush, MN
Naytahwaush, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Naytahwaush lands at the 75th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 248 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Naytahwaush at the 73rd national percentile — 2 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
248 buildings are counted in Naytahwaush, and 90.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Naytahwaush against the rest of the country
Compare Naytahwaush's two percentiles: 96th within Minnesota, only 75th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Naytahwaush ranks 7,849 for wildfire risk (1 is highest) and 23,205 by building count (1 is largest). Within Minnesota alone, it ranks 37 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Naytahwaush's 75th-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.
Lowering exposure, not just insuring around it
Naytahwaush's 90.3% 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.
Where Naytahwaush's figures come from
Naytahwaush's 75th-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 Naytahwaush's dominant direct exposure actually means, with real examples from across the dataset.