Clements, MN
How exposed is Clements to wildfire?
Out of every US place USFS scores, Clements lands at the 1st percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 174 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clements at the 1st percentile, close to its 1st-percentile risk score.
Where Clements's buildings actually sit
81.6% of Clements's 174 buildings sit in USFS's Minimal exposure zone, with only 18.4% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Clements compares
Clements scores 1st nationally and 1st within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Clements ranks 31,273 for wildfire risk (1 is highest) and 25,861 by building count (1 is largest). Within Minnesota alone, it ranks 908 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
At the 1st national percentile, Clements rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Clements's 81.6% 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
Clements's 1st-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 Clements, see the exposure-zones guide.