Worthington, MN
Worthington, MN's wildfire risk, in USFS's own numbers
USFS scores Worthington at the 16th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 5,214 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Worthington at the 12th percentile, close to its 16th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 86.4% of Worthington's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 13.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 5,214 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Worthington compares
Worthington's risk sits at a similar level relative to Minnesota (20th percentile statewide) as it does nationally (16th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Worthington ranks 26,509 for wildfire risk (1 is highest) and 3,308 by building count (1 is largest). Within Minnesota alone, it ranks 735 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
At the 16th national percentile, Worthington rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Worthington
Even with 86.4% of Worthington 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.
Where Worthington's figures come from
Every one of the two percentiles behind Worthington's 26,509-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Worthington's dominant minimal exposure actually means, with real examples from across the dataset.