Crosby, MN
How exposed is Crosby to wildfire?
USFS's Wildfire Risk to Communities model puts Crosby at the 49th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,291 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Crosby's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
What "at risk" means for the buildings here
88.5% of Crosby's 1,291 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 10% Direct and 1.5% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Crosby against the rest of the country
Within Minnesota, Crosby ranks higher (72nd percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Crosby ranks 16,235 for wildfire risk (1 is highest) and 10,112 by building count (1 is largest). Within Minnesota alone, it ranks 257 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
Crosby's elevated wildfire rating (49th 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
Crosby's 88.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,291 counted buildings into the percentiles shown above for Crosby. For more on what indirect exposure implies beyond Crosby, see the exposure-zones guide.