Enderlin, ND
How exposed is Enderlin to wildfire?
USFS scores Enderlin at the 42nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 800 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Enderlin at the 39th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Enderlin's buildings actually sit
Only 13.9% of Enderlin's 800 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Enderlin against the rest of the country
Enderlin scores 42nd nationally and 29th 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, Enderlin ranks 18,313 for wildfire risk (1 is highest) and 13,636 by building count (1 is largest). Within North Dakota alone, it ranks 285 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
Enderlin's elevated wildfire rating (42nd 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.
What would actually reduce this score
Enderlin's 86.1% 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 Enderlin's figures come from
The methodology guide shows exactly how USFS turned 800 counted buildings into the percentiles shown above for Enderlin. The exposure-zones guide covers what Enderlin's dominant minimal exposure actually means, with real examples from across the dataset.