Montevideo, MN
Montevideo wildfire risk explained
Out of every US place USFS scores, Montevideo lands at the 45th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 2,860 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 Montevideo at the 41st percentile, close to its 45th-percentile risk score.
What "at risk" means for the buildings here
Only 7.2% of Montevideo's 2,860 buildings carry Direct exposure and 0% carry Indirect; the remaining 92.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Montevideo ranks
Montevideo's 65th-percentile standing inside Minnesota outpaces its 45th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Montevideo ranks 17,307 for wildfire risk (1 is highest) and 5,649 by building count (1 is largest). Within Minnesota alone, it ranks 320 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
Montevideo's elevated rating (45th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Montevideo
Montevideo's 92.8% 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 Montevideo's figures come from
Montevideo's 45th-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 Montevideo's dominant minimal exposure actually means, with real examples from across the dataset.