Garrison, MN
How exposed is Garrison to wildfire?
Garrison sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 236 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Garrison at the 56th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Garrison's buildings actually sit
Of Garrison's 236 counted buildings, 50.4% carry Direct exposure and only 1.3% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Garrison ranks
Compare Garrison's two percentiles: 84th within Minnesota, only 58th nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Garrison ranks 13,331 for wildfire risk (1 is highest) and 23,596 by building count (1 is largest). Within Minnesota alone, it ranks 147 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
Garrison's elevated wildfire rating (58th 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 50.4% of Garrison in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Garrison's 13,331-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Garrison, see the exposure-zones guide.