Ghent, MN
Ghent, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Ghent at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 236 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ghent's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
Where Ghent's buildings actually sit
USFS classifies 88.1% of Ghent's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Ghent ranks
Ghent scores 3rd nationally and 6th 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, Ghent ranks 30,454 for wildfire risk (1 is highest) and 23,597 by building count (1 is largest). Within Minnesota alone, it ranks 865 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Ghent and the insurance market
Ghent's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Ghent's 88.1% 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.
More on how this number was built
Ghent's 3rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Ghent, see the exposure-zones guide.