Hubbard, MN
Hubbard wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hubbard at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 75 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hubbard at the 60th national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hubbard's buildings actually sit
75 buildings are counted in Hubbard, and 68% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Hubbard compares
Within Minnesota, Hubbard ranks higher (90th percentile) than it does nationally (65th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Hubbard ranks 11,001 for wildfire risk (1 is highest) and 30,091 by building count (1 is largest). Within Minnesota alone, it ranks 90 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 65th percentile nationally, Hubbard carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Hubbard
With 68% of Hubbard 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 Hubbard's figures come from
Every one of the two percentiles behind Hubbard's 11,001-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hubbard's dominant direct exposure actually means, with real examples from across the dataset.