Elmore, MN
Elmore wildfire risk explained
USFS's Wildfire Risk to Communities model puts Elmore at the 3rd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 495 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Elmore at the 3rd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Elmore's buildings actually sit
Only 20.4% of Elmore's 495 buildings carry Direct exposure and 0% carry Indirect; the remaining 79.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Elmore against the rest of the country
Elmore scores 3rd nationally and 5th 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, Elmore ranks 30,549 for wildfire risk (1 is highest) and 17,444 by building count (1 is largest). Within Minnesota alone, it ranks 872 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Elmore
At the 3rd national percentile, Elmore rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 79.6% of buildings rated Minimal exposure, Elmore gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 495 counted buildings into the percentiles shown above for Elmore. For more on what minimal exposure implies beyond Elmore, see the exposure-zones guide.