Elbow Lake (Grant), MN
Elbow Lake (Grant) wildfire risk explained
USFS's Wildfire Risk to Communities model puts Elbow Lake (Grant) at the 11th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 859 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elbow Lake (Grant)'s burn probability — fire likelihood with no building count factored in — sits at the 9th percentile nationally.
Elbow Lake (Grant)'s building exposure, zone by zone
Elbow Lake (Grant) rates 85.8% Minimal exposure against just 14.2% Direct and 0% Indirect — of 859 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Elbow Lake (Grant) against the rest of the country
There's little gap between Elbow Lake (Grant)'s 11th national percentile and its 15th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Elbow Lake (Grant) ranks 28,085 for wildfire risk (1 is highest) and 13,090 by building count (1 is largest). Within Minnesota alone, it ranks 780 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Elbow Lake (Grant) and the insurance market
Elbow Lake (Grant)'s low wildfire rating (11th 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.
What would actually reduce this score
With 85.8% of buildings rated Minimal exposure, Elbow Lake (Grant) gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elbow Lake (Grant)'s figures come from
Every one of the two percentiles behind Elbow Lake (Grant)'s 28,085-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Elbow Lake (Grant)'s dominant minimal exposure actually means, with real examples from across the dataset.