Hancock, MN
How exposed is Hancock to wildfire?
USFS scores Hancock at the 18th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 466 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hancock's burn probability — fire likelihood with no building count factored in — sits at the 10th percentile nationally.
Hancock's building exposure, zone by zone
USFS classifies 83.5% of Hancock's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Hancock compares
There's little gap between Hancock's 18th national percentile and its 22nd percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hancock ranks 25,719 for wildfire risk (1 is highest) and 17,959 by building count (1 is largest). Within Minnesota alone, it ranks 717 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
Hancock's low rating (18th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Even with 83.5% of Hancock 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 Hancock's figures come from
Hancock's 18th-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 Hancock's dominant minimal exposure actually means, with real examples from across the dataset.