St. Leo, MN
St. Leo wildfire risk explained
USFS's Wildfire Risk to Communities model puts St. Leo at the 21st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 79 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts St. Leo at the 12th percentile, close to its 21st-percentile risk score.
St. Leo's building exposure, zone by zone
Only 29.1% of St. Leo's 79 buildings carry Direct exposure and 0% carry Indirect; the remaining 70.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How St. Leo compares
St. Leo's risk sits at a similar level relative to Minnesota (25th percentile statewide) as it does nationally (21st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, St. Leo ranks 24,969 for wildfire risk (1 is highest) and 29,929 by building count (1 is largest). Within Minnesota alone, it ranks 691 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
St. Leo and the insurance market
St. Leo's moderate rating (21st 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
St. Leo's 70.9% 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.
Where St. Leo's figures come from
Every one of the two percentiles behind St. Leo's 24,969-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what St. Leo's dominant minimal exposure actually means, with real examples from across the dataset.