St. Michael, MN
How exposed is St. Michael to wildfire?
Out of every US place USFS scores, St. Michael lands at the 38th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 6,927 buildings, not the land around them. (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. Michael at the 37th percentile, close to its 38th-percentile risk score.
Where St. Michael's buildings actually sit
Most of St. Michael's buildings (41.6% of 6,927) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 6,927 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where St. Michael ranks
St. Michael scores 38th nationally and 50th 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. Michael ranks 19,630 for wildfire risk (1 is highest) and 2,500 by building count (1 is largest). Within Minnesota alone, it ranks 454 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
At the 38th national percentile, St. Michael rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
St. Michael's 41.6% 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
The methodology guide shows exactly how USFS turned 6,927 counted buildings into the percentiles shown above for St. Michael. For more on what minimal exposure implies beyond St. Michael, see the exposure-zones guide.