Victoria, MN
Victoria wildfire risk explained
USFS scores Victoria at the 45th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 3,572 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Victoria's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Where Victoria's buildings actually sit
Of Victoria's 3,572 counted buildings, 44% carry Direct exposure and only 15.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Victoria against the rest of the country
Within Minnesota, Victoria ranks higher (64th percentile) than it does nationally (45th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Victoria ranks 17,426 for wildfire risk (1 is highest) and 4,686 by building count (1 is largest). Within Minnesota alone, it ranks 328 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Victoria
Victoria's elevated wildfire rating (45th 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.
What would actually reduce this score
Victoria's 44% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Victoria's figures come from
The methodology guide shows exactly how USFS turned 3,572 counted buildings into the percentiles shown above for Victoria. The exposure-zones guide covers what Victoria's dominant direct exposure actually means, with real examples from across the dataset.