Montrose, MN
How exposed is Montrose to wildfire?
USFS's Wildfire Risk to Communities model puts Montrose at the 40th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,384 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 Montrose at the 36th percentile, close to its 40th-percentile risk score.
Montrose's building exposure, zone by zone
USFS classifies 80.6% of Montrose's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Montrose ranks
There's little gap between Montrose's 40th national percentile and its 55th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Montrose ranks 18,845 for wildfire risk (1 is highest) and 9,694 by building count (1 is largest). Within Minnesota alone, it ranks 417 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
At the 40th national percentile, Montrose rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Montrose
With 80.6% of buildings rated Minimal exposure, Montrose gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Montrose's figures come from
Montrose's 40th-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 Montrose's dominant minimal exposure actually means, with real examples from across the dataset.