Stewart, MN
Stewart wildfire risk explained
USFS's Wildfire Risk to Communities model puts Stewart at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 382 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stewart's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 91.4% of Stewart's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Stewart against the rest of the country
Stewart scores 12th nationally and 16th 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, Stewart ranks 27,740 for wildfire risk (1 is highest) and 19,593 by building count (1 is largest). Within Minnesota alone, it ranks 770 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Stewart and the insurance market
Stewart's low wildfire rating (12th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 91.4% of buildings rated Minimal exposure, Stewart gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 382 counted buildings into the percentiles shown above for Stewart. For more on what minimal exposure implies beyond Stewart, see the exposure-zones guide.