Emmons, MN
Emmons wildfire risk explained
Emmons sits at the 27th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 232 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Emmons at the 23rd national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Emmons's building exposure, zone by zone
88.8% of Emmons's 232 buildings sit in USFS's Minimal exposure zone, with only 11.2% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Emmons compares
Emmons scores 27th nationally and 33rd 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, Emmons ranks 22,884 for wildfire risk (1 is highest) and 23,739 by building count (1 is largest). Within Minnesota alone, it ranks 616 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
Emmons's moderate wildfire rating (27th 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
Emmons's 88.8% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Emmons's 27th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Emmons, see the exposure-zones guide.