Cloquet, MN
How exposed is Cloquet to wildfire?
USFS scores Cloquet at the 34th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 6,850 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cloquet at the 32nd national percentile — 1 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
54.3% of Cloquet's 6,850 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 36.8% Direct and 8.9% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 6,850 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Cloquet against the rest of the country
There's little gap between Cloquet's 34th national percentile and its 42nd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cloquet ranks 20,957 for wildfire risk (1 is highest) and 2,527 by building count (1 is largest). Within Minnesota alone, it ranks 531 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
Cloquet's moderate rating (34th 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
Because 54.3% of Cloquet's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Cloquet's figures come from
The methodology guide shows exactly how USFS turned 6,850 counted buildings into the percentiles shown above for Cloquet. The exposure-zones guide covers what Cloquet's dominant indirect exposure actually means, with real examples from across the dataset.