Zumbrota, MN
Zumbrota wildfire risk explained
Out of every US place USFS scores, Zumbrota lands at the 9th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 1,766 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Zumbrota's burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Where Zumbrota's buildings actually sit
Most of Zumbrota's buildings (78.3% of 1,766) 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 Zumbrota ranks
Zumbrota scores 9th 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, Zumbrota ranks 28,562 for wildfire risk (1 is highest) and 8,171 by building count (1 is largest). Within Minnesota alone, it ranks 797 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Zumbrota and the insurance market
At the 9th national percentile, Zumbrota 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
Even with 78.3% of Zumbrota 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 Zumbrota's figures come from
Zumbrota's 9th-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 Zumbrota's dominant minimal exposure actually means, with real examples from across the dataset.