Plummer, MN
Plummer wildfire risk explained
Out of every US place USFS scores, Plummer lands at the 74th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 334 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Plummer at the 73rd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Plummer's building exposure, zone by zone
Indirect exposure is dominant in Plummer (52.7% of 334 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 47.3% sit in the Direct zone.
Where Plummer ranks
Compare Plummer's two percentiles: 96th within Minnesota, only 74th nationally — a gap of 22 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Plummer ranks 8,283 for wildfire risk (1 is highest) and 20,717 by building count (1 is largest). Within Minnesota alone, it ranks 43 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Plummer
Plummer's high rating (74th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Plummer
With ember exposure the dominant pattern in Plummer (52.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Plummer's figures come from
Plummer's 74th-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 Plummer's dominant indirect exposure actually means, with real examples from across the dataset.