Hardwick, MN
Hardwick wildfire risk explained
Out of every US place USFS scores, Hardwick lands at the 23rd percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 172 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hardwick at the 22nd percentile, close to its 23rd-percentile risk score.
What "at risk" means for the buildings here
Hardwick rates 59.3% Minimal exposure against just 40.7% Direct and 0% Indirect — of 172 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Hardwick against the rest of the country
There's little gap between Hardwick's 23rd national percentile and its 27th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hardwick ranks 24,144 for wildfire risk (1 is highest) and 25,940 by building count (1 is largest). Within Minnesota alone, it ranks 666 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Hardwick and the insurance market
Hardwick's moderate rating (23rd 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
With 59.3% of buildings rated Minimal exposure, Hardwick gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Hardwick's 23rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hardwick, see the exposure-zones guide.