Halma, MN
How exposed is Halma to wildfire?
USFS scores Halma at the 95th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 69 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Halma at the 96th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Halma's building exposure, zone by zone
Direct exposure dominates in Halma: 100% of its 69 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Halma compares
Halma's risk sits at a similar level relative to Minnesota (100th percentile statewide) as it does nationally (95th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Halma ranks 1,604 for wildfire risk (1 is highest) and 30,310 by building count (1 is largest). Within Minnesota alone, it ranks 2 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
At the 95th percentile nationally, Halma carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Halma's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 69 counted buildings into the percentiles shown above for Halma. For more on what direct exposure implies beyond Halma, see the exposure-zones guide.