Champlin, MN
How exposed is Champlin to wildfire?
USFS scores Champlin at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 8,278 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Champlin at the 45th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 61% of Champlin's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.2% Direct and 26.8% Indirect — a landscape-level risk rather than a building-by-building one. At 8,278 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Champlin ranks
Within Minnesota, Champlin ranks higher (69th percentile) than it does nationally (46th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Champlin ranks 16,932 for wildfire risk (1 is highest) and 2,018 by building count (1 is largest). Within Minnesota alone, it ranks 288 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
Champlin's elevated wildfire rating (46th 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 Champlin
Champlin's 61% 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
Champlin's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Champlin, see the exposure-zones guide.