Shorewood, MN
How exposed is Shorewood to wildfire?
Shorewood sits at the 41st 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 3,279 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Shorewood's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Shorewood's buildings actually sit
Of Shorewood's 3,279 counted buildings, 62.4% carry Direct exposure and only 37.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Shorewood against the rest of the country
Shorewood's risk sits at a similar level relative to Minnesota (55th percentile statewide) as it does nationally (41st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Shorewood ranks 18,721 for wildfire risk (1 is highest) and 5,072 by building count (1 is largest). Within Minnesota alone, it ranks 410 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shorewood and the insurance market
Shorewood's elevated rating (41st 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 62.4% of Shorewood in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Shorewood's 18,721-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Shorewood, see the exposure-zones guide.