Warsaw, MN
How exposed is Warsaw to wildfire?
USFS's Wildfire Risk to Communities model puts Warsaw at the 14th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 380 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Warsaw at the 12th percentile, close to its 14th-percentile risk score.
Warsaw's building exposure, zone by zone
Warsaw rates 70.8% Minimal exposure against just 29.2% Direct and 0% Indirect — of 380 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Warsaw against the rest of the country
Warsaw scores 14th nationally and 18th 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, Warsaw ranks 27,169 for wildfire risk (1 is highest) and 19,649 by building count (1 is largest). Within Minnesota alone, it ranks 751 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
At the 14th national percentile, Warsaw rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 70.8% of buildings rated Minimal exposure, Warsaw gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Warsaw's figures come from
Warsaw's 14th-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 Warsaw's dominant minimal exposure actually means, with real examples from across the dataset.