Zemple, MN
How exposed is Zemple to wildfire?
Out of every US place USFS scores, Zemple lands at the 49th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 58 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Zemple at the 44th percentile, close to its 49th-percentile risk score.
Zemple's building exposure, zone by zone
58 buildings are counted in Zemple, and 77.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Zemple ranks
Within Minnesota, Zemple ranks higher (73rd percentile) than it does nationally (49th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Zemple ranks 16,047 for wildfire risk (1 is highest) and 30,709 by building count (1 is largest). Within Minnesota alone, it ranks 248 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Zemple
At the 49th national percentile, Zemple rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Zemple's 77.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Zemple's figures come from
Every one of the two percentiles behind Zemple's 16,047-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Zemple's dominant direct exposure actually means, with real examples from across the dataset.