New York Mills, MN
New York Mills wildfire risk explained
New York Mills sits at the 61st 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 720 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, New York Mills's burn probability — fire likelihood with no building count factored in — sits at the 56th percentile nationally.
What "at risk" means for the buildings here
720 buildings are counted in New York Mills, and 61.4% of them are Indirect exposure — ember-driven risk rather than the 37.1% in Direct exposure or the 1.5% rated Minimal.
New York Mills against the rest of the country
New York Mills's 87th-percentile standing inside Minnesota outpaces its 61st 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, New York Mills ranks 12,193 for wildfire risk (1 is highest) and 14,451 by building count (1 is largest). Within Minnesota alone, it ranks 121 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
New York Mills's 61st-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
Because 61.4% of New York Mills'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 New York Mills's figures come from
The methodology guide shows exactly how USFS turned 720 counted buildings into the percentiles shown above for New York Mills. The exposure-zones guide covers what New York Mills's dominant indirect exposure actually means, with real examples from across the dataset.