Humboldt, MN
Humboldt wildfire risk explained
USFS scores Humboldt at the 10th national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 88 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Humboldt's burn probability — fire likelihood with no building count factored in — sits at the 11th percentile nationally.
What "at risk" means for the buildings here
Humboldt rates 79.6% Minimal exposure against just 20.5% Direct and 0% Indirect — of 88 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Humboldt against the rest of the country
There's little gap between Humboldt's 10th national percentile and its 14th percentile inside Minnesota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Humboldt ranks 28,376 for wildfire risk (1 is highest) and 29,577 by building count (1 is largest). Within Minnesota alone, it ranks 791 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
Humboldt and the insurance market
Humboldt's low wildfire rating (10th 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.
Hardening a home in Humboldt
Humboldt's 79.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Humboldt's 28,376-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Humboldt, see the exposure-zones guide.