Winthrop, MN
Winthrop wildfire risk explained
Winthrop's 936 buildings earn a 9th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Winthrop at the 7th percentile, close to its 9th-percentile risk score.
Winthrop's building exposure, zone by zone
USFS classifies 92% of Winthrop's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 8% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Winthrop ranks
There's little gap between Winthrop's 9th national percentile and its 12th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Winthrop ranks 28,721 for wildfire risk (1 is highest) and 12,421 by building count (1 is largest). Within Minnesota alone, it ranks 803 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
Winthrop's low rating (9th 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
Even with 92% of Winthrop outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Winthrop's 9th-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 Winthrop, see the exposure-zones guide.