Gibbon, MN
How exposed is Gibbon to wildfire?
USFS scores Gibbon at the 4th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 497 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Gibbon at the 3rd percentile, close to its 4th-percentile risk score.
What "at risk" means for the buildings here
Most of Gibbon's buildings (97.2% of 497) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Gibbon compares
Gibbon scores 4th 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, Gibbon ranks 30,265 for wildfire risk (1 is highest) and 17,406 by building count (1 is largest). Within Minnesota alone, it ranks 859 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
At the 4th national percentile, Gibbon rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 97.2% of Gibbon 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.
Where Gibbon's figures come from
Gibbon's 4th-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 Gibbon's dominant minimal exposure actually means, with real examples from across the dataset.