St. Martin, MN
St. Martin wildfire risk explained
Out of every US place USFS scores, St. Martin lands at the 33rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 221 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Martin's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
St. Martin's building exposure, zone by zone
USFS puts 80.1% of St. Martin's 221 buildings in the Indirect exposure zone, versus 19.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where St. Martin ranks
There's little gap between St. Martin's 33rd national percentile and its 40th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, St. Martin ranks 21,144 for wildfire risk (1 is highest) and 24,083 by building count (1 is largest). Within Minnesota alone, it ranks 547 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
St. Martin's moderate rating (33rd 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
Because 80.1% of St. Martin's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
St. Martin's 33rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond St. Martin, see the exposure-zones guide.