Silver Creek, MN
Silver Creek wildfire risk explained
Silver Creek sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 194 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Silver Creek at the 45th percentile, close to its 48th-percentile risk score.
Where Silver Creek's buildings actually sit
USFS classifies 95.9% of Silver Creek's buildings as Direct exposure, higher than its 3.6% Indirect share and far above its 0.5% Minimal share — a profile where 186 structures sit close enough to vegetation that lot clearing matters most.
Where Silver Creek ranks
Compare Silver Creek's two percentiles: 71st within Minnesota, only 48th nationally — a gap of 23 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Silver Creek ranks 16,295 for wildfire risk (1 is highest) and 25,081 by building count (1 is largest). Within Minnesota alone, it ranks 262 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 48th national percentile, Silver Creek rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 95.9% of Silver Creek in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 194 counted buildings into the percentiles shown above for Silver Creek. For more on what direct exposure implies beyond Silver Creek, see the exposure-zones guide.