Quamba, MN
How exposed is Quamba to wildfire?
Quamba sits at the 67th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 95 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Quamba at the 68th percentile, close to its 67th-percentile risk score.
Quamba's building exposure, zone by zone
95 buildings are counted in Quamba, and 86.3% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Quamba ranks
Quamba's 92nd-percentile standing inside Minnesota outpaces its 67th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Quamba ranks 10,401 for wildfire risk (1 is highest) and 29,273 by building count (1 is largest). Within Minnesota alone, it ranks 78 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 67th percentile nationally, Quamba carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Quamba's 86.3% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 95 counted buildings into the percentiles shown above for Quamba. For more on what direct exposure implies beyond Quamba, see the exposure-zones guide.