Elbow Lake (Becker), MN
Elbow Lake (Becker), MN's wildfire risk, in USFS's own numbers
USFS scores Elbow Lake (Becker) at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 126 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elbow Lake (Becker) at the 67th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Elbow Lake (Becker)'s buildings actually sit
126 buildings are counted in Elbow Lake (Becker), and 100% 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.
Elbow Lake (Becker) against the rest of the country
Elbow Lake (Becker)'s 92nd-percentile standing inside Minnesota outpaces its 68th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Elbow Lake (Becker) ranks 10,213 for wildfire risk (1 is highest) and 27,896 by building count (1 is largest). Within Minnesota alone, it ranks 75 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 68th percentile nationally, Elbow Lake (Becker) carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Elbow Lake (Becker)
Elbow Lake (Becker)'s 100% 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
The methodology guide shows exactly how USFS turned 126 counted buildings into the percentiles shown above for Elbow Lake (Becker). For more on what direct exposure implies beyond Elbow Lake (Becker), see the exposure-zones guide.