Monticello, MN
How exposed is Monticello to wildfire?
USFS scores Monticello at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 4,601 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 Monticello at the 35th percentile, close to its 36th-percentile risk score.
Monticello's building exposure, zone by zone
Most of Monticello's buildings (51% of 4,601) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Monticello ranks
Monticello scores 36th nationally and 47th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Monticello ranks 20,172 for wildfire risk (1 is highest) and 3,702 by building count (1 is largest). Within Minnesota alone, it ranks 486 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
Monticello's moderate rating (36th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Monticello's 51% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,601 counted buildings into the percentiles shown above for Monticello. For more on what minimal exposure implies beyond Monticello, see the exposure-zones guide.