Morristown, MN
How exposed is Morristown to wildfire?
Out of every US place USFS scores, Morristown lands at the 19th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 570 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 Morristown at the 17th percentile, close to its 19th-percentile risk score.
Where Morristown's buildings actually sit
USFS classifies 84.6% of Morristown's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 15.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Morristown ranks
Morristown's risk sits at a similar level relative to Minnesota (23rd percentile statewide) as it does nationally (19th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Morristown ranks 25,440 for wildfire risk (1 is highest) and 16,251 by building count (1 is largest). Within Minnesota alone, it ranks 705 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 19th national percentile, Morristown rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 84.6% of Morristown 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.
More on how this number was built
Every one of the two percentiles behind Morristown's 25,440-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Morristown, see the exposure-zones guide.