Climax, MN
How exposed is Climax to wildfire?
Climax sits at the 28th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 188 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Climax at the 26th national percentile — 3 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
Only 26.1% of Climax's 188 buildings carry Direct exposure and 0% carry Indirect; the remaining 73.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Climax ranks
Climax scores 28th nationally and 34th 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, Climax ranks 22,566 for wildfire risk (1 is highest) and 25,319 by building count (1 is largest). Within Minnesota alone, it ranks 600 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Climax and the insurance market
Climax's moderate rating (28th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 73.9% of Climax 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.
More on how this number was built
Every one of the two percentiles behind Climax's 22,566-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Climax, see the exposure-zones guide.