Chisago City, MN
Chisago City, MN's wildfire risk, in USFS's own numbers
Chisago City's 2,814 buildings earn a 54th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Chisago City's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
56.3% of Chisago City's 2,814 buildings sit in USFS's Direct exposure zone, roughly 1,584 structures close enough to burnable vegetation for flame contact, not just embers — 26.2% fall in the Indirect, ember-only zone and 17.6% are Minimal.
How Chisago City compares
Chisago City's 80th-percentile standing inside Minnesota outpaces its 54th 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, Chisago City ranks 14,434 for wildfire risk (1 is highest) and 5,733 by building count (1 is largest). Within Minnesota alone, it ranks 188 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
Chisago City's elevated rating (54th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 56.3% of Chisago City in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Chisago City's figures come from
The methodology guide shows exactly how USFS turned 2,814 counted buildings into the percentiles shown above for Chisago City. The exposure-zones guide covers what Chisago City's dominant direct exposure actually means, with real examples from across the dataset.