Eagan, MN
How exposed is Eagan to wildfire?
USFS scores Eagan at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 20,028 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Eagan's burn probability — fire likelihood with no building count factored in — sits at the 42nd percentile nationally.
Where Eagan's buildings actually sit
USFS classifies 54.1% of Eagan's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.4% Direct and 30.6% Indirect — a landscape-level risk rather than a building-by-building one. At 20,028 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Eagan against the rest of the country
Compare Eagan's two percentiles: 68th within Minnesota, only 46th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Eagan ranks 17,018 for wildfire risk (1 is highest) and 701 by building count (1 is largest). Within Minnesota alone, it ranks 298 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
Eagan's elevated wildfire rating (46th 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.
Lowering exposure, not just insuring around it
Even with 54.1% of Eagan 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.
Where Eagan's figures come from
Eagan's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Eagan's dominant minimal exposure actually means, with real examples from across the dataset.