Harmony, MN
Harmony wildfire risk explained
Harmony's 768 buildings earn a 5th-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harmony at the 5th percentile, close to its 5th-percentile risk score.
Harmony's building exposure, zone by zone
Most of Harmony's buildings (90.6% of 768) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Harmony ranks
Harmony's risk sits at a similar level relative to Minnesota (8th percentile statewide) as it does nationally (5th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Harmony ranks 29,885 for wildfire risk (1 is highest) and 13,935 by building count (1 is largest). Within Minnesota alone, it ranks 840 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
Harmony's low rating (5th 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
Harmony's 90.6% 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 Harmony's figures come from
Harmony's 5th-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 Harmony's dominant minimal exposure actually means, with real examples from across the dataset.