Willmar, MN
Willmar, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Willmar lands at the 42nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 7,697 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Willmar at the 41st percentile, close to its 42nd-percentile risk score.
Willmar's building exposure, zone by zone
Most of Willmar's buildings (78.5% of 7,697) 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. At 7,697 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Willmar compares
Compare Willmar's two percentiles: 59th within Minnesota, only 42nd nationally — a gap of 16 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Willmar ranks 18,216 for wildfire risk (1 is highest) and 2,216 by building count (1 is largest). Within Minnesota alone, it ranks 379 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
Willmar's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Willmar's 78.5% 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.
More on how this number was built
Willmar's 42nd-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 Willmar, see the exposure-zones guide.