Fairmont, MN
Fairmont wildfire risk explained
USFS scores Fairmont at the 14th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 5,478 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fairmont at the 11th percentile, close to its 14th-percentile risk score.
Where Fairmont's buildings actually sit
USFS classifies 85.8% of Fairmont's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 14.2% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,478 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Fairmont compares
There's little gap between Fairmont's 14th national percentile and its 18th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fairmont ranks 27,047 for wildfire risk (1 is highest) and 3,148 by building count (1 is largest). Within Minnesota alone, it ranks 748 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Fairmont
Fairmont's low rating (14th 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 Fairmont
With 85.8% of buildings rated Minimal exposure, Fairmont gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Fairmont's figures come from
The methodology guide shows exactly how USFS turned 5,478 counted buildings into the percentiles shown above for Fairmont. The exposure-zones guide covers what Fairmont's dominant minimal exposure actually means, with real examples from across the dataset.