Stillwater, MN
Stillwater wildfire risk explained
USFS's Wildfire Risk to Communities model puts Stillwater at the 38th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 7,315 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Stillwater at the 39th percentile, close to its 38th-percentile risk score.
Where Stillwater's buildings actually sit
Only 20.8% of Stillwater's 7,315 buildings carry Direct exposure and 27.8% carry Indirect; the remaining 51.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure. At 7,315 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Stillwater compares
Stillwater scores 38th nationally and 51st 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, Stillwater ranks 19,631 for wildfire risk (1 is highest) and 2,338 by building count (1 is largest). Within Minnesota alone, it ranks 455 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Stillwater
At the 38th national percentile, Stillwater rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Stillwater
Even with 51.4% of Stillwater outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Stillwater's figures come from
Every one of the two percentiles behind Stillwater's 19,631-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stillwater's dominant minimal exposure actually means, with real examples from across the dataset.