Gilbert, MN
Gilbert wildfire risk explained
Out of every US place USFS scores, Gilbert lands at the 41st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,514 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gilbert at the 40th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Gilbert's buildings actually sit
77.3% of Gilbert's 1,514 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 22.1% Direct and 0.6% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Gilbert against the rest of the country
Compare Gilbert's two percentiles: 56th within Minnesota, only 41st nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Gilbert ranks 18,654 for wildfire risk (1 is highest) and 9,102 by building count (1 is largest). Within Minnesota alone, it ranks 404 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
Gilbert's elevated wildfire rating (41st 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 Gilbert
With ember exposure the dominant pattern in Gilbert (77.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Gilbert's 18,654-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Gilbert, see the exposure-zones guide.