Elkton, MN
Elkton, MN's wildfire risk, in USFS's own numbers
Elkton sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 85 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elkton's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
What "at risk" means for the buildings here
78.8% of Elkton's 85 buildings sit in USFS's Minimal exposure zone, with only 21.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Elkton ranks
Elkton scores 3rd nationally and 3rd 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, Elkton ranks 30,743 for wildfire risk (1 is highest) and 29,691 by building count (1 is largest). Within Minnesota alone, it ranks 884 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Elkton and the insurance market
Elkton's low wildfire rating (3rd 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.
Lowering exposure, not just insuring around it
With 78.8% of buildings rated Minimal exposure, Elkton gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Elkton's figures come from
Elkton's 3rd-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 Elkton's dominant minimal exposure actually means, with real examples from across the dataset.