Spicer, MN
Spicer wildfire risk explained
USFS's Wildfire Risk to Communities model puts Spicer at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 704 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spicer's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Where Spicer's buildings actually sit
83.7% of Spicer's 704 buildings sit in USFS's Minimal exposure zone, with only 16.3% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Spicer against the rest of the country
Compare Spicer's two percentiles: 65th within Minnesota, only 45th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Spicer ranks 17,366 for wildfire risk (1 is highest) and 14,610 by building count (1 is largest). Within Minnesota alone, it ranks 323 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Spicer
Spicer's elevated wildfire rating (45th 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 83.7% of Spicer 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 Spicer's figures come from
Every one of the two percentiles behind Spicer's 17,366-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Spicer's dominant minimal exposure actually means, with real examples from across the dataset.