Finley, ND
Finley, ND's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Finley lands at the 51st percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 410 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Finley's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
What "at risk" means for the buildings here
Indirect exposure is dominant in Finley (83.4% of 410 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 16.6% sit in the Direct zone.
Where Finley ranks
Finley's risk sits at a similar level relative to North Dakota (55th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Finley ranks 15,572 for wildfire risk (1 is highest) and 19,034 by building count (1 is largest). Within North Dakota alone, it ranks 183 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
At the 51st national percentile, Finley rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Finley
Finley's 83.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Finley's figures come from
The methodology guide shows exactly how USFS turned 410 counted buildings into the percentiles shown above for Finley. The exposure-zones guide covers what Finley's dominant indirect exposure actually means, with real examples from across the dataset.