Gwinner, ND
Gwinner wildfire risk explained
USFS scores Gwinner at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 493 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Gwinner's burn probability — fire likelihood with no building count factored in — sits at the 48th percentile nationally.
Where Gwinner's buildings actually sit
USFS classifies 82.2% of Gwinner's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 17.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Gwinner ranks
There's little gap between Gwinner's 50th national percentile and its 53rd percentile inside North Dakota, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Gwinner ranks 15,642 for wildfire risk (1 is highest) and 17,481 by building count (1 is largest). Within North Dakota alone, it ranks 189 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
Gwinner's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Gwinner's 82.2% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 493 counted buildings into the percentiles shown above for Gwinner. For more on what minimal exposure implies beyond Gwinner, see the exposure-zones guide.