Hutchinson, MN
Hutchinson wildfire risk explained
Out of every US place USFS scores, Hutchinson lands at the 22nd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 5,613 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hutchinson's burn probability — fire likelihood with no building count factored in — sits at the 19th percentile nationally.
What "at risk" means for the buildings here
Hutchinson rates 96.4% Minimal exposure against just 3.6% Direct and 0% Indirect — of 5,613 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually. At 5,613 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Hutchinson against the rest of the country
Hutchinson's risk sits at a similar level relative to Minnesota (25th percentile statewide) as it does nationally (22nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hutchinson ranks 24,684 for wildfire risk (1 is highest) and 3,079 by building count (1 is largest). Within Minnesota alone, it ranks 685 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
At the 22nd national percentile, Hutchinson rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Hutchinson's 96.4% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Hutchinson's 22nd-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 Hutchinson, see the exposure-zones guide.