Bergen, ND
Bergen, ND's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bergen at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 40 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Bergen at the 58th national percentile — 3 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
Direct exposure dominates in Bergen: 92.5% of its 40 buildings, versus 0% Indirect and 7.5% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Bergen compares
Bergen's risk sits at a similar level relative to North Dakota (76th percentile statewide) as it does nationally (61st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bergen ranks 12,240 for wildfire risk (1 is highest) and 31,177 by building count (1 is largest). Within North Dakota alone, it ranks 94 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Bergen and the insurance market
Bergen's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Bergen
Because Direct exposure dominates in Bergen (92.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 40 counted buildings into the percentiles shown above for Bergen. For more on what direct exposure implies beyond Bergen, see the exposure-zones guide.