Breckenridge, MN
How exposed is Breckenridge to wildfire?
Out of every US place USFS scores, Breckenridge lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,137 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Breckenridge at the 34th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Breckenridge's buildings actually sit
Breckenridge rates 95.5% Minimal exposure against just 4.5% Direct and 0% Indirect — of 2,137 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Breckenridge ranks
Breckenridge's risk sits at a similar level relative to Minnesota (47th percentile statewide) as it does nationally (36th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Breckenridge ranks 20,103 for wildfire risk (1 is highest) and 7,100 by building count (1 is largest). Within Minnesota alone, it ranks 482 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Breckenridge
Breckenridge's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Breckenridge's 95.5% 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.
More on how this number was built
Every one of the two percentiles behind Breckenridge's 20,103-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Breckenridge, see the exposure-zones guide.