Churchs Ferry, ND
How exposed is Churchs Ferry to wildfire?
Churchs Ferry's 31 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Churchs Ferry at the 66th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Churchs Ferry's buildings actually sit
Churchs Ferry rates 51.6% Minimal exposure against just 48.4% Direct and 0% Indirect — of 31 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Churchs Ferry against the rest of the country
Within North Dakota, Churchs Ferry ranks higher (83rd 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, Churchs Ferry ranks 10,913 for wildfire risk (1 is highest) and 31,350 by building count (1 is largest). Within North Dakota alone, it ranks 69 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
At the 65th percentile nationally, Churchs Ferry 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 Churchs Ferry
Churchs Ferry's 51.6% 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.
Where Churchs Ferry's figures come from
The methodology guide shows exactly how USFS turned 31 counted buildings into the percentiles shown above for Churchs Ferry. The exposure-zones guide covers what Churchs Ferry's dominant minimal exposure actually means, with real examples from across the dataset.