Truman, MN
Truman wildfire risk explained
Truman sits at the 24th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 730 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Truman at the 14th national percentile — 10 points below its risk-to-structures score, a gap driven by how much is actually built there.
Truman's building exposure, zone by zone
Only 10.1% of Truman's 730 buildings carry Direct exposure and 0% carry Indirect; the remaining 89.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Truman compares
There's little gap between Truman's 24th national percentile and its 28th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Truman ranks 24,020 for wildfire risk (1 is highest) and 14,332 by building count (1 is largest). Within Minnesota alone, it ranks 659 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
Truman's moderate rating (24th 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
Truman's 89.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Truman's 24,020-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Truman, see the exposure-zones guide.