Georgetown, MN
Georgetown wildfire risk explained
Georgetown's 109 buildings earn a 46th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Georgetown at the 45th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Georgetown's buildings actually sit
USFS classifies 58.7% of Georgetown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 41.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Georgetown against the rest of the country
Compare Georgetown's two percentiles: 66th within Minnesota, only 46th nationally — a gap of 20 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Georgetown ranks 17,174 for wildfire risk (1 is highest) and 28,659 by building count (1 is largest). Within Minnesota alone, it ranks 311 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
Georgetown's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Georgetown's 58.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Georgetown's figures come from
Georgetown's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Georgetown's dominant minimal exposure actually means, with real examples from across the dataset.