Roscoe, MN
Roscoe, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Roscoe lands at the 36th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 131 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Roscoe's burn probability — fire likelihood with no building count factored in — sits at the 32nd percentile nationally.
Roscoe's building exposure, zone by zone
77.1% of Roscoe's 131 buildings sit in USFS's Minimal exposure zone, with only 22.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Roscoe compares
Roscoe scores 36th nationally and 46th 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, Roscoe ranks 20,329 for wildfire risk (1 is highest) and 27,670 by building count (1 is largest). Within Minnesota alone, it ranks 497 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
Roscoe's moderate wildfire rating (36th 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.
Hardening a home in Roscoe
Even with 77.1% of Roscoe outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Roscoe's figures come from
Roscoe's 36th-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 Roscoe's dominant minimal exposure actually means, with real examples from across the dataset.