Urbank, MN
How exposed is Urbank to wildfire?
Urbank's 78 buildings earn a 46th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Urbank at the 44th percentile, close to its 46th-percentile risk score.
Where Urbank's buildings actually sit
Urbank rates 56.4% Minimal exposure against just 43.6% Direct and 0% Indirect — of 78 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Urbank compares
Compare Urbank's two percentiles: 67th within Minnesota, only 46th nationally — a gap of 21 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Urbank ranks 17,115 for wildfire risk (1 is highest) and 29,968 by building count (1 is largest). Within Minnesota alone, it ranks 306 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Urbank
Urbank's elevated wildfire rating (46th 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 Urbank
Even with 56.4% of Urbank 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.
More on how this number was built
Urbank's 46th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Urbank, see the exposure-zones guide.