Park Rapids, MN
How exposed is Park Rapids to wildfire?
USFS scores Park Rapids at the 66th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 2,501 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Park Rapids at the 59th percentile, close to its 66th-percentile risk score.
Park Rapids's building exposure, zone by zone
Park Rapids rates 58.7% Minimal exposure against just 33.7% Direct and 7.6% Indirect — of 2,501 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Park Rapids ranks
Park Rapids's 91st-percentile standing inside Minnesota outpaces its 66th 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, Park Rapids ranks 10,747 for wildfire risk (1 is highest) and 6,295 by building count (1 is largest). Within Minnesota alone, it ranks 85 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Park Rapids and the insurance market
Park Rapids's high rating (66th 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.
What would actually reduce this score
Park Rapids's 58.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Park Rapids's figures come from
The methodology guide shows exactly how USFS turned 2,501 counted buildings into the percentiles shown above for Park Rapids. The exposure-zones guide covers what Park Rapids's dominant minimal exposure actually means, with real examples from across the dataset.