Cobden, MN
Cobden wildfire risk explained
Cobden sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 82 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cobden's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
Cobden's building exposure, zone by zone
Cobden rates 61% Minimal exposure against just 39% Direct and 0% Indirect — of 82 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Cobden compares
Cobden's risk sits at a similar level relative to Minnesota (4th percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cobden ranks 30,670 for wildfire risk (1 is highest) and 29,804 by building count (1 is largest). Within Minnesota alone, it ranks 878 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Cobden and the insurance market
Cobden's low rating (3rd 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
Cobden's 61% 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
Cobden's 3rd-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 Cobden, see the exposure-zones guide.