Winnebago, MN
Winnebago wildfire risk explained
Winnebago's 1,073 buildings earn a 12th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winnebago at the 9th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Winnebago's building exposure, zone by zone
USFS classifies 79.4% of Winnebago's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 20.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Winnebago against the rest of the country
There's little gap between Winnebago's 12th national percentile and its 15th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Winnebago ranks 27,891 for wildfire risk (1 is highest) and 11,445 by building count (1 is largest). Within Minnesota alone, it ranks 776 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Winnebago and the insurance market
Winnebago's low wildfire rating (12th 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.
What would actually reduce this score
Winnebago's 79.4% 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 Winnebago's figures come from
The methodology guide shows exactly how USFS turned 1,073 counted buildings into the percentiles shown above for Winnebago. The exposure-zones guide covers what Winnebago's dominant minimal exposure actually means, with real examples from across the dataset.