Farmington, MN
How exposed is Farmington to wildfire?
USFS's Wildfire Risk to Communities model puts Farmington at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 7,592 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Farmington's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
What "at risk" means for the buildings here
Farmington rates 81.4% Minimal exposure against just 17.9% Direct and 0.7% Indirect — of 7,592 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 7,592 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Farmington against the rest of the country
Farmington's risk sits at a similar level relative to Minnesota (35th percentile statewide) as it does nationally (29th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Farmington ranks 22,380 for wildfire risk (1 is highest) and 2,253 by building count (1 is largest). Within Minnesota alone, it ranks 592 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
Farmington's moderate wildfire rating (29th 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.
Hardening a home in Farmington
With 81.4% of buildings rated Minimal exposure, Farmington gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 7,592 counted buildings into the percentiles shown above for Farmington. For more on what minimal exposure implies beyond Farmington, see the exposure-zones guide.