Vermillion, MN
How exposed is Vermillion to wildfire?
USFS's Wildfire Risk to Communities model puts Vermillion at the 8th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 238 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Vermillion at the 7th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
78.2% of Vermillion's 238 buildings sit in USFS's Minimal exposure zone, with only 21.9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Vermillion compares
There's little gap between Vermillion's 8th national percentile and its 11th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Vermillion ranks 29,062 for wildfire risk (1 is highest) and 23,528 by building count (1 is largest). Within Minnesota alone, it ranks 814 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
Vermillion's low wildfire rating (8th 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 Vermillion
Vermillion's 78.2% 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.
Where Vermillion's figures come from
Vermillion's 8th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Vermillion's dominant minimal exposure actually means, with real examples from across the dataset.