Shelly, MN
How exposed is Shelly to wildfire?
Shelly's 213 buildings earn a 51st-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.)
Separately from the risk score above, Shelly's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
Where Shelly's buildings actually sit
Shelly rates 86.4% Minimal exposure against just 13.6% Direct and 0% Indirect — of 213 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Shelly against the rest of the country
Within Minnesota, Shelly ranks higher (76th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Shelly ranks 15,312 for wildfire risk (1 is highest) and 24,367 by building count (1 is largest). Within Minnesota alone, it ranks 221 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 51st national percentile, Shelly rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 86.4% of Shelly 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.
More on how this number was built
Shelly's 51st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Shelly, see the exposure-zones guide.