Waldorf, MN
Waldorf wildfire risk explained
USFS's Wildfire Risk to Communities model puts Waldorf at the 5th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 190 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Waldorf's burn probability — fire likelihood with no building count factored in — sits at the 4th percentile nationally.
Where Waldorf's buildings actually sit
91.1% of Waldorf's 190 buildings sit in USFS's Minimal exposure zone, with only 9% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Waldorf compares
Waldorf's risk sits at a similar level relative to Minnesota (7th 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, Waldorf ranks 30,081 for wildfire risk (1 is highest) and 25,249 by building count (1 is largest). Within Minnesota alone, it ranks 850 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Waldorf
Waldorf's low rating (5th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 91.1% of Waldorf 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
Every one of the two percentiles behind Waldorf's 30,081-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Waldorf, see the exposure-zones guide.