Evan, MN
Evan wildfire risk explained
Evan sits at the 1st 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 96 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 Evan at the 1st percentile, close to its 1st-percentile risk score.
Where Evan's buildings actually sit
Evan rates 70.8% Minimal exposure against just 29.2% Direct and 0% Indirect — of 96 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Evan ranks
Evan's risk sits at a similar level relative to Minnesota (1st percentile statewide) as it does nationally (1st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Evan ranks 31,245 for wildfire risk (1 is highest) and 29,234 by building count (1 is largest). Within Minnesota alone, it ranks 906 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
Evan's low wildfire rating (1st 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
Even with 70.8% of Evan outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Evan's figures come from
Evan's 1st-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 Evan's dominant minimal exposure actually means, with real examples from across the dataset.