Sebeka, MN
Sebeka, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Sebeka lands at the 70th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 591 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sebeka at the 66th percentile, close to its 70th-percentile risk score.
Where Sebeka's buildings actually sit
Indirect exposure is dominant in Sebeka (59.4% of 591 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 40.6% sit in the Direct zone.
How Sebeka compares
Sebeka's 93rd-percentile standing inside Minnesota outpaces its 70th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Sebeka ranks 9,609 for wildfire risk (1 is highest) and 15,951 by building count (1 is largest). Within Minnesota alone, it ranks 62 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
Sebeka's high rating (70th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Sebeka
Because 59.4% of Sebeka's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Sebeka's figures come from
Sebeka's 70th-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 Sebeka's dominant indirect exposure actually means, with real examples from across the dataset.