Westbrook, MN
Westbrook wildfire risk explained
USFS's Wildfire Risk to Communities model puts Westbrook at the 23rd national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 593 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Westbrook's burn probability — fire likelihood with no building count factored in — sits at the 16th percentile nationally.
What "at risk" means for the buildings here
89% of Westbrook's 593 buildings sit in USFS's Minimal exposure zone, with only 11% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Westbrook ranks
Westbrook scores 23rd nationally and 27th 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, Westbrook ranks 24,363 for wildfire risk (1 is highest) and 15,927 by building count (1 is largest). Within Minnesota alone, it ranks 672 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
Westbrook's moderate wildfire rating (23rd 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.
Lowering exposure, not just insuring around it
Westbrook's 89% 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 Westbrook's figures come from
The methodology guide shows exactly how USFS turned 593 counted buildings into the percentiles shown above for Westbrook. The exposure-zones guide covers what Westbrook's dominant minimal exposure actually means, with real examples from across the dataset.