Hilltop, MN
How exposed is Hilltop to wildfire?
USFS's Wildfire Risk to Communities model puts Hilltop at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 326 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hilltop at the 22nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hilltop's building exposure, zone by zone
Hilltop rates 100% Minimal exposure against just 0% Direct and 0% Indirect — of 326 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Hilltop against the rest of the country
Hilltop's risk sits at a similar level relative to Minnesota (22nd percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hilltop ranks 25,592 for wildfire risk (1 is highest) and 20,923 by building count (1 is largest). Within Minnesota alone, it ranks 709 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Hilltop
Hilltop's low rating (19th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Hilltop
With 100% of buildings rated Minimal exposure, Hilltop gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hilltop's figures come from
The methodology guide shows exactly how USFS turned 326 counted buildings into the percentiles shown above for Hilltop. The exposure-zones guide covers what Hilltop's dominant minimal exposure actually means, with real examples from across the dataset.