Crystal, ND
Crystal wildfire risk explained
USFS's Wildfire Risk to Communities model puts Crystal at the 9th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 146 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Crystal at the 7th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Crystal's building exposure, zone by zone
Crystal rates 69.9% Minimal exposure against just 30.1% Direct and 0% Indirect — of 146 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Crystal ranks
Crystal's risk sits at a similar level relative to North Dakota (2nd percentile statewide) as it does nationally (9th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Crystal ranks 28,784 for wildfire risk (1 is highest) and 27,036 by building count (1 is largest). Within North Dakota alone, it ranks 396 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Crystal
Crystal's low wildfire rating (9th 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 69.9% of buildings rated Minimal exposure, Crystal gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Crystal's figures come from
The methodology guide shows exactly how USFS turned 146 counted buildings into the percentiles shown above for Crystal. The exposure-zones guide covers what Crystal's dominant minimal exposure actually means, with real examples from across the dataset.