Manhattan Beach, MN
Manhattan Beach, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Manhattan Beach at the 44th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 100 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Manhattan Beach's burn probability — fire likelihood with no building count factored in — sits at the 44th percentile nationally.
Manhattan Beach's building exposure, zone by zone
100 buildings are counted in Manhattan Beach, and 98% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1% rated Minimal.
How Manhattan Beach compares
Compare Manhattan Beach's two percentiles: 63rd within Minnesota, only 44th nationally — a gap of 19 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Manhattan Beach ranks 17,683 for wildfire risk (1 is highest) and 29,036 by building count (1 is largest). Within Minnesota alone, it ranks 341 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Manhattan Beach and the insurance market
Manhattan Beach'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.
What would actually reduce this score
Manhattan Beach's 98% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Manhattan Beach's figures come from
Every one of the two percentiles behind Manhattan Beach's 17,683-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Manhattan Beach's dominant direct exposure actually means, with real examples from across the dataset.