Granada, MN
Granada wildfire risk explained
USFS scores Granada at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 240 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Granada's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Granada's building exposure, zone by zone
Most of Granada's buildings (66.3% of 240) 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 Granada compares
Granada scores 11th nationally and 14th 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, Granada ranks 28,208 for wildfire risk (1 is highest) and 23,464 by building count (1 is largest). Within Minnesota alone, it ranks 785 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Granada and the insurance market
Granada's low wildfire rating (11th 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 66.3% of Granada 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 Granada's figures come from
The methodology guide shows exactly how USFS turned 240 counted buildings into the percentiles shown above for Granada. The exposure-zones guide covers what Granada's dominant minimal exposure actually means, with real examples from across the dataset.