Tenstrike, MN
Tenstrike wildfire risk explained
USFS scores Tenstrike at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 287 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 Tenstrike at the 46th percentile, close to its 47th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Tenstrike: 84.7% of its 287 buildings, versus 13.2% Indirect and 2.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Tenstrike ranks
Tenstrike's 69th-percentile standing inside Minnesota outpaces its 47th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Tenstrike ranks 16,797 for wildfire risk (1 is highest) and 21,982 by building count (1 is largest). Within Minnesota alone, it ranks 282 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 47th national percentile, Tenstrike 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
Because Direct exposure dominates in Tenstrike (84.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Tenstrike's figures come from
Tenstrike's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Tenstrike's dominant direct exposure actually means, with real examples from across the dataset.