Underwood, MN
Underwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Underwood at the 30th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 287 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Underwood's burn probability — fire likelihood with no building count factored in — sits at the 28th percentile nationally.
Where Underwood's buildings actually sit
Underwood rates 66.6% Minimal exposure against just 33.5% Direct and 0% Indirect — of 287 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Underwood ranks
Underwood scores 30th nationally and 37th 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, Underwood ranks 21,997 for wildfire risk (1 is highest) and 21,983 by building count (1 is largest). Within Minnesota alone, it ranks 580 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Underwood
Underwood's moderate rating (30th 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
Even with 66.6% of Underwood 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 Underwood's figures come from
The methodology guide shows exactly how USFS turned 287 counted buildings into the percentiles shown above for Underwood. The exposure-zones guide covers what Underwood's dominant minimal exposure actually means, with real examples from across the dataset.