Whipholt, MN
How exposed is Whipholt to wildfire?
USFS's Wildfire Risk to Communities model puts Whipholt at the 39th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 200 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Whipholt's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Whipholt's building exposure, zone by zone
Direct exposure dominates in Whipholt: 71% of its 200 buildings, versus 16% Indirect and 13% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Whipholt ranks
There's little gap between Whipholt's 39th national percentile and its 53rd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Whipholt ranks 19,223 for wildfire risk (1 is highest) and 24,840 by building count (1 is largest). Within Minnesota alone, it ranks 435 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Whipholt and the insurance market
Whipholt's moderate rating (39th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Whipholt (71%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Whipholt's 39th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Whipholt, see the exposure-zones guide.