Dellwood, MN
Dellwood, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Dellwood at the 50th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 557 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Dellwood at the 49th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Dellwood's building exposure, zone by zone
95.9% of Dellwood's 557 buildings sit in USFS's Direct exposure zone, roughly 534 structures close enough to burnable vegetation for flame contact, not just embers — 0.2% fall in the Indirect, ember-only zone and 4% are Minimal.
Dellwood against the rest of the country
Dellwood's 73rd-percentile standing inside Minnesota outpaces its 50th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Dellwood ranks 15,917 for wildfire risk (1 is highest) and 16,458 by building count (1 is largest). Within Minnesota alone, it ranks 243 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
Dellwood's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Dellwood
With 95.9% of Dellwood in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 557 counted buildings into the percentiles shown above for Dellwood. For more on what direct exposure implies beyond Dellwood, see the exposure-zones guide.