Fountain, MN
Fountain wildfire risk explained
Fountain sits at the 7th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 258 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fountain at the 7th percentile, close to its 7th-percentile risk score.
What "at risk" means for the buildings here
79.8% of Fountain's 258 buildings sit in USFS's Minimal exposure zone, with only 20.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Fountain compares
Fountain's risk sits at a similar level relative to Minnesota (10th percentile statewide) as it does nationally (7th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fountain ranks 29,351 for wildfire risk (1 is highest) and 22,887 by building count (1 is largest). Within Minnesota alone, it ranks 820 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
Fountain's low wildfire rating (7th 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
With 79.8% of buildings rated Minimal exposure, Fountain 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 258 counted buildings into the percentiles shown above for Fountain. For more on what minimal exposure implies beyond Fountain, see the exposure-zones guide.