Hermantown, MN
Hermantown wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hermantown at the 26th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 5,674 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hermantown's burn probability — fire likelihood with no building count factored in — sits at the 26th percentile nationally.
Hermantown's building exposure, zone by zone
Direct exposure dominates in Hermantown: 84.5% of its 5,674 buildings, versus 7.5% Indirect and 8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap. At 5,674 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Hermantown compares
There's little gap between Hermantown's 26th national percentile and its 31st percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hermantown ranks 23,261 for wildfire risk (1 is highest) and 3,047 by building count (1 is largest). Within Minnesota alone, it ranks 631 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Shopping for coverage in Hermantown
Hermantown's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 84.5% of Hermantown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Hermantown's figures come from
The methodology guide shows exactly how USFS turned 5,674 counted buildings into the percentiles shown above for Hermantown. The exposure-zones guide covers what Hermantown's dominant direct exposure actually means, with real examples from across the dataset.