Zumbro Falls, MN
Zumbro Falls, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Zumbro Falls at the 19th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 157 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Zumbro Falls at the 20th national percentile — 1 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
USFS classifies 58.6% of Zumbro Falls's buildings as Direct exposure, higher than its 41.4% Indirect share and far above its 0% Minimal share — a profile where 92 structures sit close enough to vegetation that lot clearing matters most.
Where Zumbro Falls ranks
Zumbro Falls scores 19th nationally and 23rd 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, Zumbro Falls ranks 25,595 for wildfire risk (1 is highest) and 26,571 by building count (1 is largest). Within Minnesota alone, it ranks 712 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 19th national percentile, Zumbro Falls rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Zumbro Falls's 58.6% 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.
More on how this number was built
Every one of the two percentiles behind Zumbro Falls's 25,595-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Zumbro Falls, see the exposure-zones guide.