Spring Hill, MN
How exposed is Spring Hill to wildfire?
Spring Hill sits at the 10th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 76 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Spring Hill at the 9th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Spring Hill's buildings actually sit
Spring Hill rates 61.8% Minimal exposure against just 38.2% Direct and 0% Indirect — of 76 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Spring Hill against the rest of the country
Spring Hill scores 10th nationally and 14th 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, Spring Hill ranks 28,345 for wildfire risk (1 is highest) and 30,049 by building count (1 is largest). Within Minnesota alone, it ranks 790 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
Spring Hill's low wildfire rating (10th 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 Spring Hill
Even with 61.8% of Spring Hill 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.
More on how this number was built
Spring Hill's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Spring Hill, see the exposure-zones guide.