Courtenay, ND
Courtenay wildfire risk explained
USFS's Wildfire Risk to Communities model puts Courtenay at the 60th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 69 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Courtenay at the 59th national percentile — 2 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
USFS puts 63.8% of Courtenay's 69 buildings in the Indirect exposure zone, versus 36.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Courtenay against the rest of the country
Courtenay's risk sits at a similar level relative to North Dakota (74th percentile statewide) as it does nationally (60th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Courtenay ranks 12,582 for wildfire risk (1 is highest) and 30,319 by building count (1 is largest). Within North Dakota alone, it ranks 105 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Courtenay and the insurance market
Courtenay's high rating (60th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because 63.8% of Courtenay's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Courtenay's figures come from
Every one of the two percentiles behind Courtenay's 12,582-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Courtenay's dominant indirect exposure actually means, with real examples from across the dataset.