North St. Paul, MN
North St. Paul wildfire risk explained
North St. Paul's 5,277 buildings earn a 29th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks North St. Paul at the 29th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where North St. Paul's buildings actually sit
USFS classifies 92.7% of North St. Paul's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,277 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How North St. Paul compares
There's little gap between North St. Paul's 29th national percentile and its 36th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, North St. Paul ranks 22,315 for wildfire risk (1 is highest) and 3,269 by building count (1 is largest). Within Minnesota alone, it ranks 590 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 29th national percentile, North St. Paul rates moderate 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 North St. Paul
Even with 92.7% of North St. Paul 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.
Where North St. Paul's figures come from
North St. Paul's 29th-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 St. Paul's dominant minimal exposure actually means, with real examples from across the dataset.