Homer, MN
Homer wildfire risk explained
Homer's 150 buildings earn a 36th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Homer at the 36th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Homer's building exposure, zone by zone
Direct exposure dominates in Homer: 63.3% of its 150 buildings, versus 36.7% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Homer against the rest of the country
There's little gap between Homer's 36th national percentile and its 47th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Homer ranks 20,104 for wildfire risk (1 is highest) and 26,882 by building count (1 is largest). Within Minnesota alone, it ranks 483 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
At the 36th national percentile, Homer rates moderate 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 Homer
Because Direct exposure dominates in Homer (63.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Homer's figures come from
The methodology guide shows exactly how USFS turned 150 counted buildings into the percentiles shown above for Homer. The exposure-zones guide covers what Homer's dominant direct exposure actually means, with real examples from across the dataset.