St. Francis, MN
St. Francis, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, St. Francis lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,563 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Francis at the 59th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where St. Francis's buildings actually sit
Of St. Francis's 3,563 counted buildings, 62.6% carry Direct exposure and only 20.7% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where St. Francis ranks
Compare St. Francis's two percentiles: 87th within Minnesota, only 61st nationally — a gap of 26 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, St. Francis ranks 12,166 for wildfire risk (1 is highest) and 4,700 by building count (1 is largest). Within Minnesota alone, it ranks 120 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
St. Francis and the insurance market
St. Francis's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in St. Francis
Because Direct exposure dominates in St. Francis (62.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 3,563 counted buildings into the percentiles shown above for St. Francis. For more on what direct exposure implies beyond St. Francis, see the exposure-zones guide.