Clontarf, MN
How exposed is Clontarf to wildfire?
Clontarf's 153 buildings earn a 55th-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, Clontarf's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Where Clontarf's buildings actually sit
153 buildings are counted in Clontarf, and 73.9% of them are Indirect exposure — ember-driven risk rather than the 26.1% in Direct exposure or the 0% rated Minimal.
Where Clontarf ranks
Compare Clontarf's two percentiles: 80th within Minnesota, only 55th nationally — a gap of 25 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Clontarf ranks 14,214 for wildfire risk (1 is highest) and 26,755 by building count (1 is largest). Within Minnesota alone, it ranks 181 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 55th national percentile, Clontarf rates elevated 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
With ember exposure the dominant pattern in Clontarf (73.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Clontarf's figures come from
The methodology guide shows exactly how USFS turned 153 counted buildings into the percentiles shown above for Clontarf. The exposure-zones guide covers what Clontarf's dominant indirect exposure actually means, with real examples from across the dataset.