Alvarado, MN
Alvarado wildfire risk explained
Alvarado's 235 buildings earn a 24th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Alvarado at the 23rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Alvarado's building exposure, zone by zone
Most of Alvarado's buildings (78.3% of 235) 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.
How Alvarado compares
There's little gap between Alvarado's 24th national percentile and its 28th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Alvarado ranks 24,110 for wildfire risk (1 is highest) and 23,629 by building count (1 is largest). Within Minnesota alone, it ranks 662 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
Alvarado's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 78.3% of Alvarado 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 Alvarado's figures come from
Every one of the two percentiles behind Alvarado's 24,110-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Alvarado's dominant minimal exposure actually means, with real examples from across the dataset.