Steen, MN
Steen wildfire risk explained
USFS's Wildfire Risk to Communities model puts Steen at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 143 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Steen's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
Most of Steen's buildings (61.5% of 143) 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.
Where Steen ranks
There's little gap between Steen's 3rd national percentile and its 5th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Steen ranks 30,582 for wildfire risk (1 is highest) and 27,162 by building count (1 is largest). Within Minnesota alone, it ranks 874 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Steen and the insurance market
Steen's low rating (3rd 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
With 61.5% of buildings rated Minimal exposure, Steen gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Steen's figures come from
The methodology guide shows exactly how USFS turned 143 counted buildings into the percentiles shown above for Steen. The exposure-zones guide covers what Steen's dominant minimal exposure actually means, with real examples from across the dataset.