Wayzata, MN
Wayzata, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Wayzata at the 45th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,575 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 Wayzata at the 43rd percentile, close to its 45th-percentile risk score.
What "at risk" means for the buildings here
Most of Wayzata's buildings (68.8% of 1,575) 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.
Where Wayzata ranks
Wayzata's 65th-percentile standing inside Minnesota outpaces its 45th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Wayzata ranks 17,367 for wildfire risk (1 is highest) and 8,859 by building count (1 is largest). Within Minnesota alone, it ranks 324 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Wayzata and the insurance market
Wayzata'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.
Hardening a home in Wayzata
With 68.8% of buildings rated Minimal exposure, Wayzata gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Wayzata's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Wayzata, see the exposure-zones guide.