Forman, ND
Forman, ND's wildfire risk, in USFS's own numbers
USFS scores Forman at the 52nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 377 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Forman at the 49th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Forman's buildings actually sit
Most of Forman's buildings (73.2% of 377) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Forman ranks
Forman's risk sits at a similar level relative to North Dakota (58th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Forman ranks 15,099 for wildfire risk (1 is highest) and 19,727 by building count (1 is largest). Within North Dakota alone, it ranks 170 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Forman and the insurance market
Forman's elevated wildfire rating (52nd 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.
Hardening a home in Forman
With 73.2% of buildings rated Minimal exposure, Forman 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 Forman's 15,099-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Forman, see the exposure-zones guide.