Oak Grove, MN
How exposed is Oak Grove to wildfire?
Oak Grove's 5,128 buildings earn a 57th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oak Grove's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
What "at risk" means for the buildings here
5,128 buildings are counted in Oak Grove, and 96.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.3% rated Minimal. At 5,128 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Oak Grove compares
Within Minnesota, Oak Grove ranks higher (84th percentile) than it does nationally (57th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Oak Grove ranks 13,395 for wildfire risk (1 is highest) and 3,366 by building count (1 is largest). Within Minnesota alone, it ranks 149 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
Oak Grove's elevated wildfire rating (57th 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
Oak Grove's 96.6% 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 Oak Grove's figures come from
Oak Grove's 57th-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 Oak Grove's dominant direct exposure actually means, with real examples from across the dataset.