Okabena, MN
Okabena, MN's wildfire risk, in USFS's own numbers
Okabena's 171 buildings earn a 43rd-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Okabena at the 36th national percentile — 7 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
81.9% of Okabena's 171 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 17% Direct and 1.2% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Okabena ranks
Compare Okabena's two percentiles: 59th within Minnesota, only 43rd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Okabena ranks 18,058 for wildfire risk (1 is highest) and 25,988 by building count (1 is largest). Within Minnesota alone, it ranks 372 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
Okabena's elevated wildfire rating (43rd 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.
Hardening a home in Okabena
With ember exposure the dominant pattern in Okabena (81.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Okabena's 18,058-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Okabena, see the exposure-zones guide.