South Haven, MN
South Haven wildfire risk explained
USFS scores South Haven at the 41st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 141 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts South Haven at the 39th percentile, close to its 41st-percentile risk score.
Where South Haven's buildings actually sit
Most of South Haven's buildings (75.2% of 141) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where South Haven ranks
Compare South Haven's two percentiles: 57th within Minnesota, only 41st nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, South Haven ranks 18,499 for wildfire risk (1 is highest) and 27,256 by building count (1 is largest). Within Minnesota alone, it ranks 394 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in South Haven
South Haven's elevated wildfire rating (41st 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
Even with 75.2% of South Haven 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
The methodology guide shows exactly how USFS turned 141 counted buildings into the percentiles shown above for South Haven. For more on what minimal exposure implies beyond South Haven, see the exposure-zones guide.