Darwin, MN
How exposed is Darwin to wildfire?
Darwin's 278 buildings earn a 32nd-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Darwin at the 31st national percentile — 2 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
USFS puts 65.1% of Darwin's 278 buildings in the Indirect exposure zone, versus 31.3% Direct and 3.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Darwin against the rest of the country
There's little gap between Darwin's 32nd national percentile and its 39th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Darwin ranks 21,369 for wildfire risk (1 is highest) and 22,264 by building count (1 is largest). Within Minnesota alone, it ranks 561 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Darwin
At the 32nd national percentile, Darwin rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Darwin's 65.1% 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 278 counted buildings into the percentiles shown above for Darwin. For more on what indirect exposure implies beyond Darwin, see the exposure-zones guide.