Pine Island, MN
Pine Island wildfire risk explained
Pine Island sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 1,623 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pine Island at the 10th 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
Pine Island rates 77.3% Minimal exposure against just 22.7% Direct and 0% Indirect — of 1,623 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Pine Island compares
There's little gap between Pine Island's 10th national percentile and its 13th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Pine Island ranks 28,402 for wildfire risk (1 is highest) and 8,683 by building count (1 is largest). Within Minnesota alone, it ranks 792 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Pine Island
At the 10th national percentile, Pine Island rates low 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 Pine Island
Even with 77.3% of Pine Island 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 Pine Island's figures come from
Pine Island's 10th-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 Pine Island's dominant minimal exposure actually means, with real examples from across the dataset.