Rockford, MN
How exposed is Rockford to wildfire?
Rockford sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,679 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rockford's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
Rockford's building exposure, zone by zone
Rockford rates 76% Minimal exposure against just 24% Direct and 0% Indirect — of 1,679 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Rockford ranks
Compare Rockford's two percentiles: 67th within Minnesota, only 46th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Rockford ranks 17,051 for wildfire risk (1 is highest) and 8,497 by building count (1 is largest). Within Minnesota alone, it ranks 300 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Rockford and the insurance market
Rockford's elevated rating (46th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 76% of buildings rated Minimal exposure, Rockford gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Rockford's figures come from
Rockford's 46th-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 Rockford's dominant minimal exposure actually means, with real examples from across the dataset.