Winsted, MN
Winsted, MN's wildfire risk, in USFS's own numbers
USFS scores Winsted at the 11th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 1,133 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Winsted at the 9th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Winsted's building exposure, zone by zone
Only 9.6% of Winsted's 1,133 buildings carry Direct exposure and 0% carry Indirect; the remaining 90.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Winsted compares
Winsted's risk sits at a similar level relative to Minnesota (14th percentile statewide) as it does nationally (11th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Winsted ranks 28,114 for wildfire risk (1 is highest) and 11,061 by building count (1 is largest). Within Minnesota alone, it ranks 783 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
Winsted's low rating (11th 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
Winsted's 90.4% 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 Winsted's figures come from
Every one of the two percentiles behind Winsted's 28,114-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Winsted's dominant minimal exposure actually means, with real examples from across the dataset.