Utica, MN
Utica, MN's wildfire risk, in USFS's own numbers
Utica sits at the 5th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 192 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Utica's burn probability — fire likelihood with no building count factored in — sits at the 5th percentile nationally.
Where Utica's buildings actually sit
Utica rates 50.5% Minimal exposure against just 16.7% Direct and 32.8% Indirect — of 192 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Utica compares
Utica's risk sits at a similar level relative to Minnesota (8th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Utica ranks 29,886 for wildfire risk (1 is highest) and 25,165 by building count (1 is largest). Within Minnesota alone, it ranks 841 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
Utica's low wildfire rating (5th 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.
Lowering exposure, not just insuring around it
With 50.5% of buildings rated Minimal exposure, Utica gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Utica's figures come from
The methodology guide shows exactly how USFS turned 192 counted buildings into the percentiles shown above for Utica. The exposure-zones guide covers what Utica's dominant minimal exposure actually means, with real examples from across the dataset.