Gardner, ND
Gardner wildfire risk explained
USFS scores Gardner at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 91 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gardner's burn probability — fire likelihood with no building count factored in — sits at the 33rd percentile nationally.
Where Gardner's buildings actually sit
80.2% of Gardner's 91 buildings sit in USFS's Minimal exposure zone, with only 19.8% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Gardner against the rest of the country
Gardner's 35th national percentile looks worse in isolation than its 17th ranking inside North Dakota does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Gardner ranks 20,522 for wildfire risk (1 is highest) and 29,462 by building count (1 is largest). Within North Dakota alone, it ranks 335 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
Gardner's moderate rating (35th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Gardner
With 80.2% of buildings rated Minimal exposure, Gardner 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
Gardner's 35th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Gardner, see the exposure-zones guide.