Biwabik, MN
How exposed is Biwabik to wildfire?
Biwabik's 980 buildings earn a 43rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Biwabik's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Where Biwabik's buildings actually sit
980 buildings are counted in Biwabik, and 74.5% of them are Indirect exposure — ember-driven risk rather than the 25.2% in Direct exposure or the 0.3% rated Minimal.
How Biwabik compares
Compare Biwabik's two percentiles: 61st within Minnesota, only 43rd nationally — a gap of 18 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Biwabik ranks 17,837 for wildfire risk (1 is highest) and 12,072 by building count (1 is largest). Within Minnesota alone, it ranks 354 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 43rd national percentile, Biwabik rates elevated 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
With ember exposure the dominant pattern in Biwabik (74.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Biwabik's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Biwabik, see the exposure-zones guide.