Nashwauk, MN
Nashwauk, MN's wildfire risk, in USFS's own numbers
Nashwauk sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 861 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Nashwauk's burn probability — fire likelihood with no building count factored in — sits at the 36th percentile nationally.
Nashwauk's building exposure, zone by zone
Indirect exposure is dominant in Nashwauk (83.4% of 861 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 16.6% sit in the Direct zone.
Nashwauk against the rest of the country
Nashwauk's risk sits at a similar level relative to Minnesota (51st percentile statewide) as it does nationally (38th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Nashwauk ranks 19,475 for wildfire risk (1 is highest) and 13,068 by building count (1 is largest). Within Minnesota alone, it ranks 452 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
Nashwauk's moderate wildfire rating (38th 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.
Lowering exposure, not just insuring around it
Nashwauk's 83.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Nashwauk's 38th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Nashwauk, see the exposure-zones guide.