St. Clair, MN
St. Clair wildfire risk explained
USFS's Wildfire Risk to Communities model puts St. Clair at the 16th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 359 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Clair at the 12th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 18.7% of St. Clair's 359 buildings carry Direct exposure and 0% carry Indirect; the remaining 81.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How St. Clair compares
St. Clair scores 16th nationally and 20th 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, St. Clair ranks 26,508 for wildfire risk (1 is highest) and 20,087 by building count (1 is largest). Within Minnesota alone, it ranks 734 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
St. Clair and the insurance market
St. Clair's low wildfire rating (16th 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.
What would actually reduce this score
St. Clair's 81.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind St. Clair's 26,508-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond St. Clair, see the exposure-zones guide.