Clearbrook, MN
How exposed is Clearbrook to wildfire?
Clearbrook sits at the 61st percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 398 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Clearbrook at the 59th national percentile — 2 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
Most of Clearbrook's buildings (66.8% of 398) 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.
Clearbrook against the rest of the country
Clearbrook's 86th-percentile standing inside Minnesota outpaces its 61st 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, Clearbrook ranks 12,264 for wildfire risk (1 is highest) and 19,247 by building count (1 is largest). Within Minnesota alone, it ranks 125 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
Clearbrook's high rating (61st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 66.8% of buildings rated Minimal exposure, Clearbrook gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 398 counted buildings into the percentiles shown above for Clearbrook. For more on what minimal exposure implies beyond Clearbrook, see the exposure-zones guide.