Brewster, MN
Brewster, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Brewster at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 383 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Brewster at the 6th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Brewster's building exposure, zone by zone
Most of Brewster's buildings (76.5% of 383) 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.
Brewster against the rest of the country
Brewster scores 9th nationally and 13th 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, Brewster ranks 28,654 for wildfire risk (1 is highest) and 19,562 by building count (1 is largest). Within Minnesota alone, it ranks 798 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Brewster and the insurance market
Brewster's low wildfire rating (9th 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
Brewster's 76.5% 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
The methodology guide shows exactly how USFS turned 383 counted buildings into the percentiles shown above for Brewster. For more on what minimal exposure implies beyond Brewster, see the exposure-zones guide.