Hoffman, MN
Hoffman wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hoffman at the 37th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 430 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hoffman at the 33rd national percentile — 5 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Hoffman (80% of 430 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 18.1% sit in the Direct zone.
Hoffman against the rest of the country
There's little gap between Hoffman's 37th national percentile and its 50th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hoffman ranks 19,729 for wildfire risk (1 is highest) and 18,649 by building count (1 is largest). Within Minnesota alone, it ranks 458 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Hoffman and the insurance market
Hoffman's moderate wildfire rating (37th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With ember exposure the dominant pattern in Hoffman (80% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Hoffman's figures come from
Every one of the two percentiles behind Hoffman's 19,729-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hoffman's dominant indirect exposure actually means, with real examples from across the dataset.