Trail, MN
Trail wildfire risk explained
Out of every US place USFS scores, Trail lands at the 88th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 62 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Trail at the 87th percentile, close to its 88th-percentile risk score.
What "at risk" means for the buildings here
62 buildings are counted in Trail, and 56.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Trail against the rest of the country
Trail's risk sits at a similar level relative to Minnesota (99th percentile statewide) as it does nationally (88th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Trail ranks 3,847 for wildfire risk (1 is highest) and 30,579 by building count (1 is largest). Within Minnesota alone, it ranks 10 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 88th percentile nationally, Trail carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Because Direct exposure dominates in Trail (56.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Trail's figures come from
The methodology guide shows exactly how USFS turned 62 counted buildings into the percentiles shown above for Trail. The exposure-zones guide covers what Trail's dominant direct exposure actually means, with real examples from across the dataset.