Ruthton, MN
Ruthton, MN's wildfire risk, in USFS's own numbers
USFS scores Ruthton at the 25th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 257 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ruthton at the 16th percentile, close to its 25th-percentile risk score.
Where Ruthton's buildings actually sit
Ruthton rates 85.6% Minimal exposure against just 14.4% Direct and 0% Indirect — of 257 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Ruthton compares
There's little gap between Ruthton's 25th national percentile and its 30th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Ruthton ranks 23,515 for wildfire risk (1 is highest) and 22,917 by building count (1 is largest). Within Minnesota alone, it ranks 639 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 25th national percentile, Ruthton rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 85.6% of buildings rated Minimal exposure, Ruthton gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 257 counted buildings into the percentiles shown above for Ruthton. For more on what minimal exposure implies beyond Ruthton, see the exposure-zones guide.