Waverly, MN
How exposed is Waverly to wildfire?
USFS's Wildfire Risk to Communities model puts Waverly at the 28th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 825 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Waverly at the 25th percentile, close to its 28th-percentile risk score.
What "at risk" means for the buildings here
Most of Waverly's buildings (78.4% of 825) 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.
Waverly against the rest of the country
Waverly scores 28th nationally and 34th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Waverly ranks 22,722 for wildfire risk (1 is highest) and 13,395 by building count (1 is largest). Within Minnesota alone, it ranks 607 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Waverly and the insurance market
Waverly's moderate wildfire rating (28th 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.
Hardening a home in Waverly
With 78.4% of buildings rated Minimal exposure, Waverly gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Waverly's 28th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Waverly, see the exposure-zones guide.