Ostrander, MN
Ostrander, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Ostrander lands at the 2nd percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 192 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ostrander at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Ostrander's buildings (89.6% of 192) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Ostrander against the rest of the country
Ostrander's risk sits at a similar level relative to Minnesota (3rd percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Ostrander ranks 30,802 for wildfire risk (1 is highest) and 25,164 by building count (1 is largest). Within Minnesota alone, it ranks 890 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
Ostrander's low rating (2nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 89.6% of buildings rated Minimal exposure, Ostrander gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Ostrander's figures come from
The methodology guide shows exactly how USFS turned 192 counted buildings into the percentiles shown above for Ostrander. The exposure-zones guide covers what Ostrander's dominant minimal exposure actually means, with real examples from across the dataset.