Carlos, MN
Carlos, MN's wildfire risk, in USFS's own numbers
Carlos 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 321 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 Carlos at the 48th percentile, close to its 50th-percentile risk score.
Where Carlos's buildings actually sit
Most of Carlos's buildings (74.5% of 321) 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.
How Carlos compares
Within Minnesota, Carlos ranks higher (74th percentile) than it does nationally (50th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Carlos ranks 15,726 for wildfire risk (1 is highest) and 21,059 by building count (1 is largest). Within Minnesota alone, it ranks 236 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Carlos
At the 50th national percentile, Carlos rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Carlos
Even with 74.5% of Carlos outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Carlos's figures come from
Carlos's 50th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Carlos's dominant minimal exposure actually means, with real examples from across the dataset.