Hamburg, MN
Hamburg wildfire risk explained
Hamburg's 279 buildings earn a 13th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hamburg's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
Hamburg's building exposure, zone by zone
USFS classifies 92.5% of Hamburg's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 7.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Hamburg ranks
Hamburg scores 13th nationally and 17th 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, Hamburg ranks 27,546 for wildfire risk (1 is highest) and 22,221 by building count (1 is largest). Within Minnesota alone, it ranks 763 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 13th national percentile, Hamburg 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
Hamburg's 92.5% 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.
Where Hamburg's figures come from
The methodology guide shows exactly how USFS turned 279 counted buildings into the percentiles shown above for Hamburg. The exposure-zones guide covers what Hamburg's dominant minimal exposure actually means, with real examples from across the dataset.