Erhard, MN
How exposed is Erhard to wildfire?
Erhard sits at the 55th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 148 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Erhard at the 54th percentile, close to its 55th-percentile risk score.
Where Erhard's buildings actually sit
50.7% of Erhard's 148 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 49.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Erhard compares
Within Minnesota, Erhard ranks higher (80th percentile) than it does nationally (55th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Erhard ranks 14,276 for wildfire risk (1 is highest) and 26,954 by building count (1 is largest). Within Minnesota alone, it ranks 182 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
Erhard's elevated wildfire rating (55th 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.
Hardening a home in Erhard
Erhard's 50.7% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Erhard's figures come from
Erhard's 55th-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 Erhard's dominant indirect exposure actually means, with real examples from across the dataset.