Two Harbors, MN
Two Harbors wildfire risk explained
Out of every US place USFS scores, Two Harbors lands at the 33rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 2,279 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Two Harbors at the 29th percentile, close to its 33rd-percentile risk score.
What "at risk" means for the buildings here
Most of Two Harbors's buildings (93.6%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Two Harbors against the rest of the country
Two Harbors scores 33rd nationally and 39th 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, Two Harbors ranks 21,243 for wildfire risk (1 is highest) and 6,749 by building count (1 is largest). Within Minnesota alone, it ranks 554 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
Two Harbors's moderate wildfire rating (33rd 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.
Hardening a home in Two Harbors
Two Harbors's 93.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 2,279 counted buildings into the percentiles shown above for Two Harbors. For more on what indirect exposure implies beyond Two Harbors, see the exposure-zones guide.