Woodstock, MN
How exposed is Woodstock to wildfire?
USFS scores Woodstock at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 139 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Woodstock's burn probability — fire likelihood with no building count factored in — sits at the 7th percentile nationally.
What "at risk" means for the buildings here
Most of Woodstock's buildings (67.6% of 139) 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.
Where Woodstock ranks
Woodstock scores 10th nationally and 13th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Woodstock ranks 28,466 for wildfire risk (1 is highest) and 27,331 by building count (1 is largest). Within Minnesota alone, it ranks 795 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
Woodstock's low wildfire rating (10th 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.
Lowering exposure, not just insuring around it
With 67.6% of buildings rated Minimal exposure, Woodstock gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Woodstock's figures come from
Woodstock's 10th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Woodstock's dominant minimal exposure actually means, with real examples from across the dataset.