Cologne, MN
Cologne, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Cologne lands at the 13th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 860 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Cologne at the 12th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Cologne's building exposure, zone by zone
Only 24.1% of Cologne's 860 buildings carry Direct exposure and 0% carry Indirect; the remaining 75.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Cologne ranks
Cologne's risk sits at a similar level relative to Minnesota (17th percentile statewide) as it does nationally (13th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Cologne ranks 27,296 for wildfire risk (1 is highest) and 13,084 by building count (1 is largest). Within Minnesota alone, it ranks 755 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Cologne
Cologne's low wildfire rating (13th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Cologne
Even with 75.9% of Cologne outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Cologne's 27,296-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cologne, see the exposure-zones guide.