St. Vincent, MN
St. Vincent, MN's wildfire risk, in USFS's own numbers
St. Vincent sits at the 58th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 98 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Vincent at the 58th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
St. Vincent rates 67.4% Minimal exposure against just 32.7% Direct and 0% Indirect — of 98 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
St. Vincent against the rest of the country
St. Vincent's 84th-percentile standing inside Minnesota outpaces its 58th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, St. Vincent ranks 13,332 for wildfire risk (1 is highest) and 29,128 by building count (1 is largest). Within Minnesota alone, it ranks 148 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. Vincent's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 67.4% of buildings rated Minimal exposure, St. Vincent gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where St. Vincent's figures come from
St. Vincent's 58th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what St. Vincent's dominant minimal exposure actually means, with real examples from across the dataset.