Turtle River, MN
Turtle River, MN's wildfire risk, in USFS's own numbers
Turtle River sits at the 50th 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 92 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Turtle River's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Turtle River's building exposure, zone by zone
96.7% of Turtle River's 92 buildings sit in USFS's Direct exposure zone, roughly 89 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 3.3% are Minimal.
Where Turtle River ranks
Compare Turtle River's two percentiles: 74th within Minnesota, only 50th nationally — a gap of 24 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Turtle River ranks 15,919 for wildfire risk (1 is highest) and 29,405 by building count (1 is largest). Within Minnesota alone, it ranks 245 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 50th national percentile, Turtle River rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 96.7% of Turtle River 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
Turtle River's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Turtle River, see the exposure-zones guide.