Comfrey, MN
Comfrey wildfire risk explained
Comfrey's 283 buildings earn a 3rd-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Comfrey at the 3rd national percentile — 0 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
Most of Comfrey's buildings (86.6% of 283) 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 Comfrey compares
Comfrey'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, Comfrey ranks 30,581 for wildfire risk (1 is highest) and 22,094 by building count (1 is largest). Within Minnesota alone, it ranks 873 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
Comfrey's low wildfire rating (3rd 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.
What would actually reduce this score
Even with 86.6% of Comfrey 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
Comfrey'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 Comfrey, see the exposure-zones guide.