Arco, MN
Arco, MN's wildfire risk, in USFS's own numbers
Arco sits at the 52nd 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 100 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Arco at the 45th percentile, close to its 52nd-percentile risk score.
Arco's building exposure, zone by zone
USFS classifies 69% of Arco's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 31% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Arco compares
Within Minnesota, Arco ranks higher (77th percentile) than it does nationally (52nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Arco ranks 15,190 for wildfire risk (1 is highest) and 29,035 by building count (1 is largest). Within Minnesota alone, it ranks 213 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
Arco's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Arco's 69% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 100 counted buildings into the percentiles shown above for Arco. For more on what minimal exposure implies beyond Arco, see the exposure-zones guide.