Wanda, MN
Wanda wildfire risk explained
USFS scores Wanda at the 2nd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 81 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wanda at the 2nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Wanda's buildings actually sit
Most of Wanda's buildings (72.8% of 81) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Wanda against the rest of the country
Wanda's risk sits at a similar level relative to Minnesota (3rd percentile statewide) as it does nationally (2nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Wanda ranks 30,768 for wildfire risk (1 is highest) and 29,849 by building count (1 is largest). Within Minnesota alone, it ranks 888 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Wanda and the insurance market
Wanda's low wildfire rating (2nd 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
Wanda's 72.8% 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 Wanda's figures come from
The methodology guide shows exactly how USFS turned 81 counted buildings into the percentiles shown above for Wanda. The exposure-zones guide covers what Wanda's dominant minimal exposure actually means, with real examples from across the dataset.