North Oaks, MN
North Oaks, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts North Oaks at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,983 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 North Oaks at the 47th percentile, close to its 51st-percentile risk score.
North Oaks's building exposure, zone by zone
Of North Oaks's 1,983 counted buildings, 79.5% carry Direct exposure and only 6.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
North Oaks against the rest of the country
Within Minnesota, North Oaks ranks higher (75th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, North Oaks ranks 15,506 for wildfire risk (1 is highest) and 7,523 by building count (1 is largest). Within Minnesota alone, it ranks 229 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
North Oaks's elevated wildfire rating (51st 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.
Hardening a home in North Oaks
With 79.5% of North Oaks in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where North Oaks's figures come from
North Oaks's 51st-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 North Oaks's dominant direct exposure actually means, with real examples from across the dataset.