Richfield, MN
How exposed is Richfield to wildfire?
Richfield's 14,883 buildings earn a 34th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richfield's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
Richfield's building exposure, zone by zone
Only 4.8% of Richfield's 14,883 buildings carry Direct exposure and 0% carry Indirect; the remaining 95.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 14,883 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Richfield ranks
Richfield scores 34th nationally and 42nd within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Richfield ranks 20,958 for wildfire risk (1 is highest) and 999 by building count (1 is largest). Within Minnesota alone, it ranks 532 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Richfield and the insurance market
Richfield's moderate wildfire rating (34th 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.
What would actually reduce this score
With 95.2% of buildings rated Minimal exposure, Richfield gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Richfield's figures come from
Richfield's 34th-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 Richfield's dominant minimal exposure actually means, with real examples from across the dataset.