Ashby, MN
How exposed is Ashby to wildfire?
Out of every US place USFS scores, Ashby lands at the 39th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 296 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ashby's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
What "at risk" means for the buildings here
Most of Ashby's buildings (80.4% of 296) 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 Ashby compares
There's little gap between Ashby's 39th national percentile and its 52nd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ashby ranks 19,314 for wildfire risk (1 is highest) and 21,731 by building count (1 is largest). Within Minnesota alone, it ranks 439 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 39th national percentile, Ashby rates moderate 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
Even with 80.4% of Ashby 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 Ashby's figures come from
The methodology guide shows exactly how USFS turned 296 counted buildings into the percentiles shown above for Ashby. The exposure-zones guide covers what Ashby's dominant minimal exposure actually means, with real examples from across the dataset.