Virginia, MN
Virginia, MN's wildfire risk, in USFS's own numbers
USFS scores Virginia at the 37th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 5,507 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Virginia at the 35th percentile, close to its 37th-percentile risk score.
Where Virginia's buildings actually sit
USFS puts 95.2% of Virginia's 5,507 buildings in the Indirect exposure zone, versus 4.8% Direct and 0.1% Minimal — a place where the fire doesn't need to reach the structure directly for embers to. At 5,507 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Virginia ranks
Virginia scores 37th nationally and 50th 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, Virginia ranks 19,760 for wildfire risk (1 is highest) and 3,128 by building count (1 is largest). Within Minnesota alone, it ranks 460 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
Virginia's moderate wildfire rating (37th 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
Because 95.2% of Virginia's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Virginia's 37th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Virginia, see the exposure-zones guide.