Herman, MN
Herman wildfire risk explained
Herman's 441 buildings earn a 44th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Herman at the 36th national percentile — 8 points below its risk-to-structures score, a gap driven by how much is actually built there.
Herman's building exposure, zone by zone
74.4% of Herman's 441 buildings sit in USFS's Minimal exposure zone, with only 25.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Herman compares
Herman's 62nd-percentile standing inside Minnesota outpaces its 44th 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, Herman ranks 17,779 for wildfire risk (1 is highest) and 18,437 by building count (1 is largest). Within Minnesota alone, it ranks 351 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Herman and the insurance market
At the 44th national percentile, Herman rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Herman
Even with 74.4% of Herman outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Herman's figures come from
Herman's 44th-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 Herman's dominant minimal exposure actually means, with real examples from across the dataset.