Pemberton, MN
Pemberton, MN's wildfire risk, in USFS's own numbers
Pemberton's 151 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pemberton at the 6th percentile, close to its 9th-percentile risk score.
Where Pemberton's buildings actually sit
Most of Pemberton's buildings (82.1% of 151) 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.
Pemberton against the rest of the country
There's little gap between Pemberton's 9th national percentile and its 12th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pemberton ranks 28,746 for wildfire risk (1 is highest) and 26,845 by building count (1 is largest). Within Minnesota alone, it ranks 804 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
Pemberton's low rating (9th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Pemberton
Even with 82.1% of Pemberton 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
Pemberton's 9th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Pemberton, see the exposure-zones guide.