Ramsey, MN
How exposed is Ramsey to wildfire?
USFS's Wildfire Risk to Communities model puts Ramsey at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 10,238 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ramsey at the 49th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Ramsey's buildings actually sit
57.4% of Ramsey's 10,238 buildings sit in USFS's Direct exposure zone, roughly 5,873 structures close enough to burnable vegetation for flame contact, not just embers — 4.4% fall in the Indirect, ember-only zone and 38.3% are Minimal. At 10,238 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Ramsey compares
Within Minnesota, Ramsey ranks higher (75th percentile) than it does nationally (51st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ramsey ranks 15,444 for wildfire risk (1 is highest) and 1,566 by building count (1 is largest). Within Minnesota alone, it ranks 227 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Ramsey and the insurance market
Ramsey's elevated wildfire rating (51st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Ramsey's 57.4% 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.
Where Ramsey's figures come from
The methodology guide shows exactly how USFS turned 10,238 counted buildings into the percentiles shown above for Ramsey. The exposure-zones guide covers what Ramsey's dominant direct exposure actually means, with real examples from across the dataset.