Hector, MN
Hector, MN's wildfire risk, in USFS's own numbers
Hector sits at the 3rd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 774 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hector at the 2nd national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hector's buildings actually sit
Only 6.1% of Hector's 774 buildings carry Direct exposure and 0% carry Indirect; the remaining 93.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Hector against the rest of the country
Hector scores 3rd nationally and 4th within Minnesota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hector ranks 30,705 for wildfire risk (1 is highest) and 13,882 by building count (1 is largest). Within Minnesota alone, it ranks 882 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Hector
Hector's low rating (3rd 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 Hector
With 93.9% of buildings rated Minimal exposure, Hector 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
Every one of the two percentiles behind Hector's 30,705-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Hector, see the exposure-zones guide.