Gilman, MN
Gilman wildfire risk explained
Gilman sits at the 49th 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 152 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gilman's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Where Gilman's buildings actually sit
USFS classifies 79.6% of Gilman's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Gilman ranks
Within Minnesota, Gilman ranks higher (73rd percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Gilman ranks 16,068 for wildfire risk (1 is highest) and 26,809 by building count (1 is largest). Within Minnesota alone, it ranks 249 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Gilman
Gilman's elevated wildfire rating (49th 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
Even with 79.6% of Gilman 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.
More on how this number was built
Gilman's 49th-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 Gilman, see the exposure-zones guide.