Silver Bay, MN
Silver Bay, MN's wildfire risk, in USFS's own numbers
Silver Bay's 1,442 buildings earn a 39th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Silver Bay at the 38th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Silver Bay's building exposure, zone by zone
Indirect exposure is dominant in Silver Bay (82.6% of 1,442 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 17.3% sit in the Direct zone.
How Silver Bay compares
Silver Bay scores 39th nationally and 53rd within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Silver Bay ranks 19,129 for wildfire risk (1 is highest) and 9,418 by building count (1 is largest). Within Minnesota alone, it ranks 429 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Silver Bay
At the 39th national percentile, Silver Bay rates moderate 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 Silver Bay
Because 82.6% of Silver Bay's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,442 counted buildings into the percentiles shown above for Silver Bay. For more on what indirect exposure implies beyond Silver Bay, see the exposure-zones guide.