Frost, MN
Frost, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Frost at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 200 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Frost's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
What "at risk" means for the buildings here
Frost rates 82.5% Minimal exposure against just 17.5% Direct and 0% Indirect — of 200 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Frost ranks
There's little gap between Frost's 5th national percentile and its 7th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Frost ranks 30,079 for wildfire risk (1 is highest) and 24,839 by building count (1 is largest). Within Minnesota alone, it ranks 848 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Frost
Frost's low wildfire rating (5th 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 Frost
Even with 82.5% of Frost 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 200 counted buildings into the percentiles shown above for Frost. For more on what minimal exposure implies beyond Frost, see the exposure-zones guide.