Floodwood, MN
How exposed is Floodwood to wildfire?
Out of every US place USFS scores, Floodwood lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 454 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Floodwood at the 42nd percentile, close to its 41st-percentile risk score.
What "at risk" means for the buildings here
78.9% of Floodwood's 454 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 21.2% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Floodwood ranks
Floodwood scores 41st nationally and 56th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Floodwood ranks 18,681 for wildfire risk (1 is highest) and 18,189 by building count (1 is largest). Within Minnesota alone, it ranks 405 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
Floodwood's elevated wildfire rating (41st 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.
What would actually reduce this score
With ember exposure the dominant pattern in Floodwood (78.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 454 counted buildings into the percentiles shown above for Floodwood. For more on what indirect exposure implies beyond Floodwood, see the exposure-zones guide.