Coleraine, MN
How exposed is Coleraine to wildfire?
USFS scores Coleraine at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,603 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coleraine at the 36th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Coleraine's building exposure, zone by zone
53.2% of Coleraine's 1,603 buildings sit in USFS's Direct exposure zone, roughly 853 structures close enough to burnable vegetation for flame contact, not just embers — 46.4% fall in the Indirect, ember-only zone and 0.4% are Minimal.
Coleraine against the rest of the country
Coleraine's risk sits at a similar level relative to Minnesota (49th percentile statewide) as it does nationally (37th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Coleraine ranks 19,884 for wildfire risk (1 is highest) and 8,761 by building count (1 is largest). Within Minnesota alone, it ranks 470 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Coleraine and the insurance market
Coleraine's moderate rating (37th 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
Coleraine's 53.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Coleraine's figures come from
The methodology guide shows exactly how USFS turned 1,603 counted buildings into the percentiles shown above for Coleraine. The exposure-zones guide covers what Coleraine's dominant direct exposure actually means, with real examples from across the dataset.