Minnetonka, MN
How exposed is Minnetonka to wildfire?
USFS's Wildfire Risk to Communities model puts Minnetonka at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 17,337 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Minnetonka at the 38th percentile, close to its 39th-percentile risk score.
Where Minnetonka's buildings actually sit
Only 45.6% of Minnetonka's 17,337 buildings carry Direct exposure and 0% carry Indirect; the remaining 54.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 17,337 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Minnetonka compares
Minnetonka's risk sits at a similar level relative to Minnesota (53rd percentile statewide) as it does nationally (39th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Minnetonka ranks 19,222 for wildfire risk (1 is highest) and 822 by building count (1 is largest). Within Minnesota alone, it ranks 434 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Minnetonka
Minnetonka's moderate wildfire rating (39th 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
With 54.4% of buildings rated Minimal exposure, Minnetonka gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Minnetonka's figures come from
Minnetonka's 39th-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 Minnetonka's dominant minimal exposure actually means, with real examples from across the dataset.