Barnum, MN
Barnum, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Barnum at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 404 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Barnum's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Barnum's buildings actually sit
Most of Barnum's buildings (56.7%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
How Barnum compares
There's little gap between Barnum's 39th national percentile and its 51st percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Barnum ranks 19,377 for wildfire risk (1 is highest) and 19,138 by building count (1 is largest). Within Minnesota alone, it ranks 447 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Barnum and the insurance market
Barnum's moderate wildfire rating (39th 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.
What would actually reduce this score
Barnum's 56.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Barnum's 19,377-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Barnum, see the exposure-zones guide.