Leonard, MN
How exposed is Leonard to wildfire?
USFS's Wildfire Risk to Communities model puts Leonard at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 57 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Leonard at the 69th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Leonard's buildings actually sit
USFS classifies 96.5% of Leonard's buildings as Direct exposure, higher than its 3.5% Indirect share and far above its 0% Minimal share — a profile where 55 structures sit close enough to vegetation that lot clearing matters most.
Leonard against the rest of the country
Leonard's 95th-percentile standing inside Minnesota outpaces its 72nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Leonard ranks 8,918 for wildfire risk (1 is highest) and 30,741 by building count (1 is largest). Within Minnesota alone, it ranks 50 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
Leonard's 72nd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Leonard (96.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Leonard's figures come from
Every one of the two percentiles behind Leonard's 8,918-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Leonard's dominant direct exposure actually means, with real examples from across the dataset.