Henderson, MN
Henderson, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Henderson at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 623 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Henderson's burn probability — fire likelihood with no building count factored in — sits at the 37th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Henderson (74.6% of 623 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 25.4% sit in the Direct zone.
Henderson against the rest of the country
There's little gap between Henderson's 37th national percentile and its 49th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Henderson ranks 19,852 for wildfire risk (1 is highest) and 15,516 by building count (1 is largest). Within Minnesota alone, it ranks 468 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Henderson
Henderson's moderate rating (37th 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
Henderson's 74.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Henderson's figures come from
The methodology guide shows exactly how USFS turned 623 counted buildings into the percentiles shown above for Henderson. The exposure-zones guide covers what Henderson's dominant indirect exposure actually means, with real examples from across the dataset.