Orr, MN
Orr wildfire risk explained
USFS's Wildfire Risk to Communities model puts Orr at the 84th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 249 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Orr at the 82nd percentile, close to its 84th-percentile risk score.
Where Orr's buildings actually sit
Direct exposure dominates in Orr: 80.7% of its 249 buildings, versus 17.7% Indirect and 1.6% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Orr compares
Orr's risk sits at a similar level relative to Minnesota (99th percentile statewide) as it does nationally (84th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Orr ranks 5,108 for wildfire risk (1 is highest) and 23,173 by building count (1 is largest). Within Minnesota alone, it ranks 15 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
Orr's very high rating (84th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Orr
Orr's 80.7% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 249 counted buildings into the percentiles shown above for Orr. For more on what direct exposure implies beyond Orr, see the exposure-zones guide.