Denham, MN
Denham, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Denham at the 43rd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 60 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Denham's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
What "at risk" means for the buildings here
95% of Denham's 60 buildings sit in USFS's Direct exposure zone, roughly 57 structures close enough to burnable vegetation for flame contact, not just embers — 5% fall in the Indirect, ember-only zone and 0% are Minimal.
How Denham compares
Compare Denham's two percentiles: 60th within Minnesota, only 43rd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Denham ranks 17,989 for wildfire risk (1 is highest) and 30,650 by building count (1 is largest). Within Minnesota alone, it ranks 366 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Denham and the insurance market
Denham's elevated rating (43rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 95% of Denham 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
Denham's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Denham, see the exposure-zones guide.