St. Marys Point, MN
How exposed is St. Marys Point to wildfire?
USFS's Wildfire Risk to Communities model puts St. Marys Point at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 233 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, St. Marys Point's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
St. Marys Point's building exposure, zone by zone
Of St. Marys Point's 233 counted buildings, 64.8% carry Direct exposure and only 0.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where St. Marys Point ranks
Within Minnesota, St. Marys Point ranks higher (65th percentile) than it does nationally (45th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, St. Marys Point ranks 17,365 for wildfire risk (1 is highest) and 23,703 by building count (1 is largest). Within Minnesota alone, it ranks 322 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
St. Marys Point and the insurance market
St. Marys Point's elevated rating (45th 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 Direct exposure dominates in St. Marys Point (64.8%), 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
St. Marys Point's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond St. Marys Point, see the exposure-zones guide.