Minneota, MN
Minneota, MN's wildfire risk, in USFS's own numbers
Minneota sits at the 8th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 743 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Minneota's burn probability — fire likelihood with no building count factored in — sits at the 6th percentile nationally.
Minneota's building exposure, zone by zone
Minneota rates 88.7% Minimal exposure against just 11.3% Direct and 0% Indirect — of 743 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Minneota ranks
Minneota's risk sits at a similar level relative to Minnesota (11th percentile statewide) as it does nationally (8th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Minneota ranks 29,098 for wildfire risk (1 is highest) and 14,197 by building count (1 is largest). Within Minnesota alone, it ranks 815 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
Minneota's low wildfire rating (8th 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 88.7% of Minneota 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.
Where Minneota's figures come from
Minneota's 8th-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 Minneota's dominant minimal exposure actually means, with real examples from across the dataset.