Lowry, MN
Lowry wildfire risk explained
Out of every US place USFS scores, Lowry lands at the 27th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 257 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 Lowry at the 23rd percentile, close to its 27th-percentile risk score.
Where Lowry's buildings actually sit
Only 11.3% of Lowry's 257 buildings carry Direct exposure and 0% carry Indirect; the remaining 88.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Lowry compares
There's little gap between Lowry's 27th national percentile and its 32nd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Lowry ranks 22,973 for wildfire risk (1 is highest) and 22,916 by building count (1 is largest). Within Minnesota alone, it ranks 620 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
Lowry's moderate rating (27th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lowry's 88.7% 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.
Where Lowry's figures come from
Lowry's 27th-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 Lowry's dominant minimal exposure actually means, with real examples from across the dataset.