Lindstrom, MN
Lindstrom wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lindstrom at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,183 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lindstrom at the 42nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Lindstrom rates 61.5% Minimal exposure against just 24.7% Direct and 13.7% Indirect — of 2,183 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Lindstrom compares
Lindstrom's 62nd-percentile standing inside Minnesota outpaces its 44th 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, Lindstrom ranks 17,740 for wildfire risk (1 is highest) and 6,983 by building count (1 is largest). Within Minnesota alone, it ranks 347 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Lindstrom
Lindstrom's elevated wildfire rating (44th 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 61.5% of Lindstrom 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,183 counted buildings into the percentiles shown above for Lindstrom. For more on what minimal exposure implies beyond Lindstrom, see the exposure-zones guide.