Stanchfield, MN
How exposed is Stanchfield to wildfire?
Out of every US place USFS scores, Stanchfield lands at the 69th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 83 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stanchfield's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Stanchfield's building exposure, zone by zone
83 buildings are counted in Stanchfield, and 79.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Stanchfield compares
Stanchfield's 93rd-percentile standing inside Minnesota outpaces its 69th 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, Stanchfield ranks 9,643 for wildfire risk (1 is highest) and 29,763 by building count (1 is largest). Within Minnesota alone, it ranks 64 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Stanchfield and the insurance market
Stanchfield's 69th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Stanchfield's 79.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Stanchfield's figures come from
Stanchfield's 69th-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 Stanchfield's dominant direct exposure actually means, with real examples from across the dataset.