Louisburg, MN
Louisburg, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Louisburg lands at the 70th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 75 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Louisburg at the 61st percentile, close to its 70th-percentile risk score.
Louisburg's building exposure, zone by zone
USFS puts 53.3% of Louisburg's 75 buildings in the Indirect exposure zone, versus 46.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Louisburg ranks
Within Minnesota, Louisburg ranks higher (94th percentile) than it does nationally (70th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Louisburg ranks 9,487 for wildfire risk (1 is highest) and 30,093 by building count (1 is largest). Within Minnesota alone, it ranks 59 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
Louisburg's 70th-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
With ember exposure the dominant pattern in Louisburg (53.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Louisburg's figures come from
Every one of the two percentiles behind Louisburg's 9,487-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Louisburg's dominant indirect exposure actually means, with real examples from across the dataset.