Kensington, MN
How exposed is Kensington to wildfire?
USFS's Wildfire Risk to Communities model puts Kensington at the 29th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 240 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kensington's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
What "at risk" means for the buildings here
Kensington rates 79.6% Minimal exposure against just 20.4% Direct and 0% Indirect — of 240 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Kensington compares
Kensington's risk sits at a similar level relative to Minnesota (35th percentile statewide) as it does nationally (29th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Kensington ranks 22,437 for wildfire risk (1 is highest) and 23,465 by building count (1 is largest). Within Minnesota alone, it ranks 594 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Kensington
Kensington's moderate wildfire rating (29th 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 Kensington 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 Kensington's figures come from
Kensington's 29th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Kensington's dominant minimal exposure actually means, with real examples from across the dataset.