Harris, MN
How exposed is Harris to wildfire?
USFS scores Harris at the 54th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,126 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Harris at the 52nd percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
1,126 buildings are counted in Harris, and 82.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 6.6% rated Minimal.
How Harris compares
Harris's 79th-percentile standing inside Minnesota outpaces its 54th 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, Harris ranks 14,625 for wildfire risk (1 is highest) and 11,111 by building count (1 is largest). Within Minnesota alone, it ranks 192 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
Harris's elevated rating (54th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Harris
Because Direct exposure dominates in Harris (82.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Harris's figures come from
The methodology guide shows exactly how USFS turned 1,126 counted buildings into the percentiles shown above for Harris. The exposure-zones guide covers what Harris's dominant direct exposure actually means, with real examples from across the dataset.