Apple Valley, ND
Apple Valley, ND's wildfire risk, in USFS's own numbers
USFS scores Apple Valley at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 91 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Apple Valley at the 54th percentile, close to its 59th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Apple Valley: 72.5% of its 91 buildings, versus 27.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Apple Valley ranks
There's little gap between Apple Valley's 59th national percentile and its 69th percentile inside North Dakota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Apple Valley ranks 13,055 for wildfire risk (1 is highest) and 29,461 by building count (1 is largest). Within North Dakota alone, it ranks 122 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
What this risk score means for insurance
Apple Valley's elevated wildfire rating (59th 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
Because Direct exposure dominates in Apple Valley (72.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Apple Valley's figures come from
Every one of the two percentiles behind Apple Valley's 13,055-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Apple Valley's dominant direct exposure actually means, with real examples from across the dataset.