Cambridge, MN
Cambridge, MN's wildfire risk, in USFS's own numbers
Cambridge sits at the 50th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 3,414 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cambridge at the 48th percentile, close to its 50th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 37.5% of Cambridge's 3,414 buildings in the Indirect exposure zone, versus 25.3% Direct and 37.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Cambridge ranks
Cambridge's 74th-percentile standing inside Minnesota outpaces its 50th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Cambridge ranks 15,916 for wildfire risk (1 is highest) and 4,898 by building count (1 is largest). Within Minnesota alone, it ranks 242 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
Cambridge's elevated wildfire rating (50th 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 Cambridge
Cambridge's 37.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Cambridge's 50th-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 Cambridge, see the exposure-zones guide.