Biscay, MN
How exposed is Biscay to wildfire?
USFS's Wildfire Risk to Communities model puts Biscay at the 40th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 86 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Biscay at the 36th percentile, close to its 40th-percentile risk score.
Biscay's building exposure, zone by zone
Most of Biscay's buildings (81.4% of 86) 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.
Biscay against the rest of the country
Biscay's risk sits at a similar level relative to Minnesota (54th percentile statewide) as it does nationally (40th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Biscay ranks 18,844 for wildfire risk (1 is highest) and 29,650 by building count (1 is largest). Within Minnesota alone, it ranks 416 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Biscay and the insurance market
Biscay's elevated wildfire rating (40th 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.
Hardening a home in Biscay
Biscay's 81.4% 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.
Where Biscay's figures come from
The methodology guide shows exactly how USFS turned 86 counted buildings into the percentiles shown above for Biscay. The exposure-zones guide covers what Biscay's dominant minimal exposure actually means, with real examples from across the dataset.