Scandia, MN
Scandia, MN's wildfire risk, in USFS's own numbers
USFS scores Scandia at the 43rd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,121 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Scandia's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Where Scandia's buildings actually sit
93.3% of Scandia's 3,121 buildings sit in USFS's Direct exposure zone, roughly 2,911 structures close enough to burnable vegetation for flame contact, not just embers — 4.4% fall in the Indirect, ember-only zone and 2.3% are Minimal.
How Scandia compares
Within Minnesota, Scandia ranks higher (61st percentile) than it does nationally (43rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Scandia ranks 17,867 for wildfire risk (1 is highest) and 5,263 by building count (1 is largest). Within Minnesota alone, it ranks 357 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Scandia and the insurance market
Scandia's elevated rating (43rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Scandia
Because Direct exposure dominates in Scandia (93.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Scandia's figures come from
Scandia's 43rd-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 Scandia's dominant direct exposure actually means, with real examples from across the dataset.