Rose Creek, MN
Rose Creek wildfire risk explained
USFS scores Rose Creek at the 5th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 267 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rose Creek's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Rose Creek's building exposure, zone by zone
89.5% of Rose Creek's 267 buildings sit in USFS's Minimal exposure zone, with only 10.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Rose Creek against the rest of the country
There's little gap between Rose Creek's 5th national percentile and its 8th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Rose Creek ranks 29,952 for wildfire risk (1 is highest) and 22,603 by building count (1 is largest). Within Minnesota alone, it ranks 842 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
At the 5th national percentile, Rose Creek rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Rose Creek
Even with 89.5% of Rose Creek outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Rose Creek's figures come from
Every one of the two percentiles behind Rose Creek's 29,952-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rose Creek's dominant minimal exposure actually means, with real examples from across the dataset.