Harding, MN
Harding, MN's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Harding at the 72nd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 121 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Harding at the 72nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Harding's buildings actually sit
USFS classifies 89.3% of Harding's buildings as Direct exposure, higher than its 10.7% Indirect share and far above its 0% Minimal share — a profile where 108 structures sit close enough to vegetation that lot clearing matters most.
Where Harding ranks
Harding's 94th-percentile standing inside Minnesota outpaces its 72nd national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Harding ranks 8,979 for wildfire risk (1 is highest) and 28,110 by building count (1 is largest). Within Minnesota alone, it ranks 52 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Harding
At the 72nd percentile nationally, Harding carries the 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.
Hardening a home in Harding
With 89.3% of Harding in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Harding's figures come from
Every one of the two percentiles behind Harding's 8,979-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Harding's dominant direct exposure actually means, with real examples from across the dataset.