Cokato, MN
How exposed is Cokato to wildfire?
Cokato's 1,140 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cokato's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Cokato's building exposure, zone by zone
Most of Cokato's buildings (92.5% of 1,140) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Cokato compares
Cokato scores 12th nationally and 16th 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, Cokato ranks 27,739 for wildfire risk (1 is highest) and 11,016 by building count (1 is largest). Within Minnesota alone, it ranks 769 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Cokato and the insurance market
Cokato's low rating (12th 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
With 92.5% of buildings rated Minimal exposure, Cokato gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cokato's figures come from
Every one of the two percentiles behind Cokato's 27,739-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cokato's dominant minimal exposure actually means, with real examples from across the dataset.