Coleharbor, ND
How exposed is Coleharbor to wildfire?
USFS's Wildfire Risk to Communities model puts Coleharbor at the 31st national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 130 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coleharbor at the 25th national percentile — 6 points below its risk-to-structures score, a gap driven by how much is actually built there.
Coleharbor's building exposure, zone by zone
Coleharbor rates 57.7% Minimal exposure against just 23.9% Direct and 18.5% Indirect — of 130 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Coleharbor compares
Coleharbor's 31st national percentile looks worse in isolation than its 13th ranking inside North Dakota does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Coleharbor ranks 21,915 for wildfire risk (1 is highest) and 27,727 by building count (1 is largest). Within North Dakota alone, it ranks 351 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Coleharbor and the insurance market
At the 31st national percentile, Coleharbor rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
With 57.7% of buildings rated Minimal exposure, Coleharbor gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 130 counted buildings into the percentiles shown above for Coleharbor. For more on what minimal exposure implies beyond Coleharbor, see the exposure-zones guide.