Rock Creek, MN
How exposed is Rock Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Rock Creek at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,704 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rock Creek's burn probability — fire likelihood with no building count factored in — sits at the 55th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 86% of Rock Creek's buildings as Direct exposure, higher than its 1.6% Indirect share and far above its 12.4% Minimal share — a profile where 1,466 structures sit close enough to vegetation that lot clearing matters most.
How Rock Creek compares
Rock Creek's 84th-percentile standing inside Minnesota outpaces its 57th 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, Rock Creek ranks 13,422 for wildfire risk (1 is highest) and 8,407 by building count (1 is largest). Within Minnesota alone, it ranks 151 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Rock Creek and the insurance market
Rock Creek'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
Rock Creek's 86% 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
Every one of the two percentiles behind Rock Creek's 13,422-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Rock Creek, see the exposure-zones guide.