Breezy Point, MN
How exposed is Breezy Point to wildfire?
USFS's Wildfire Risk to Communities model puts Breezy Point at the 49th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,271 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 Breezy Point at the 47th percentile, close to its 49th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Breezy Point: 81.2% of its 2,271 buildings, versus 5.3% Indirect and 13.4% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Breezy Point against the rest of the country
Within Minnesota, Breezy Point ranks higher (72nd percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Breezy Point ranks 16,234 for wildfire risk (1 is highest) and 6,768 by building count (1 is largest). Within Minnesota alone, it ranks 256 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Breezy Point
Breezy Point's elevated wildfire rating (49th 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
Because Direct exposure dominates in Breezy Point (81.2%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,271 counted buildings into the percentiles shown above for Breezy Point. For more on what direct exposure implies beyond Breezy Point, see the exposure-zones guide.