Christine, ND
How exposed is Christine to wildfire?
Christine sits at the 26th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 135 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Christine at the 24th percentile, close to its 26th-percentile risk score.
Christine's building exposure, zone by zone
Most of Christine's buildings (60.7% of 135) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Christine ranks
Christine's 26th national percentile looks worse in isolation than its 9th ranking inside North Dakota does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Christine ranks 23,331 for wildfire risk (1 is highest) and 27,508 by building count (1 is largest). Within North Dakota alone, it ranks 366 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
Christine's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Even with 60.7% of Christine outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Christine's figures come from
Christine's 26th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Christine's dominant minimal exposure actually means, with real examples from across the dataset.