Wykoff, MN
How exposed is Wykoff to wildfire?
USFS's Wildfire Risk to Communities model puts Wykoff at the 6th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 357 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wykoff at the 6th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Wykoff rates 50.1% Minimal exposure against just 9.5% Direct and 40.3% Indirect — of 357 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Wykoff ranks
Wykoff scores 6th nationally and 9th 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, Wykoff ranks 29,663 for wildfire risk (1 is highest) and 20,133 by building count (1 is largest). Within Minnesota alone, it ranks 831 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Wykoff and the insurance market
Wykoff's low wildfire rating (6th 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.
Hardening a home in Wykoff
Even with 50.1% of Wykoff 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 Wykoff's figures come from
Wykoff's 6th-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 Wykoff's dominant minimal exposure actually means, with real examples from across the dataset.