Minden, NV
Minden wildfire risk explained
USFS scores Minden at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,789 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Minden at the 93rd percentile, close to its 91st-percentile risk score.
Where Minden's buildings actually sit
Most of Minden's buildings (89.2%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Minden against the rest of the country
Minden's 91st national percentile looks worse in isolation than its 48th ranking inside Nevada does — this place is on the milder end for its own state, by 44 points. Among the 31,521 US communities USFS scores, Minden ranks 2,736 for wildfire risk (1 is highest) and 8,100 by building count (1 is largest). Within Nevada alone, it ranks 65 of 123 places by risk. See the full county-by-county picture for Nevada on its state page.
What this risk score means for insurance
Minden's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Minden (89.2% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Minden's 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Minden, see the exposure-zones guide.