Belgrade, MN
Belgrade wildfire risk explained
Belgrade sits at the 40th 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 505 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 Belgrade at the 37th percentile, close to its 40th-percentile risk score.
Where Belgrade's buildings actually sit
Most of Belgrade's buildings (88.7%) 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 Belgrade compares
Belgrade scores 40th nationally and 55th 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, Belgrade ranks 18,811 for wildfire risk (1 is highest) and 17,257 by building count (1 is largest). Within Minnesota alone, it ranks 413 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Belgrade and the insurance market
At the 40th national percentile, Belgrade rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Because 88.7% of Belgrade's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 505 counted buildings into the percentiles shown above for Belgrade. For more on what indirect exposure implies beyond Belgrade, see the exposure-zones guide.