Cooperstown, ND
Cooperstown wildfire risk explained
Out of every US place USFS scores, Cooperstown lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 752 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Cooperstown at the 49th percentile, close to its 51st-percentile risk score.
What "at risk" means for the buildings here
Cooperstown rates 81.4% Minimal exposure against just 15.3% Direct and 3.3% Indirect — of 752 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Cooperstown against the rest of the country
Cooperstown scores 51st nationally and 53rd within North Dakota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Cooperstown ranks 15,605 for wildfire risk (1 is highest) and 14,106 by building count (1 is largest). Within North Dakota alone, it ranks 186 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Cooperstown and the insurance market
Cooperstown's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
With 81.4% of buildings rated Minimal exposure, Cooperstown 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
Every one of the two percentiles behind Cooperstown's 15,605-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Cooperstown, see the exposure-zones guide.