Halliday, ND
How exposed is Halliday to wildfire?
Out of every US place USFS scores, Halliday lands at the 65th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 334 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Halliday at the 63rd percentile, close to its 65th-percentile risk score.
Where Halliday's buildings actually sit
Most of Halliday's buildings (63.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Halliday against the rest of the country
Compare Halliday's two percentiles: 82nd within North Dakota, only 65th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Halliday ranks 11,011 for wildfire risk (1 is highest) and 20,722 by building count (1 is largest). Within North Dakota alone, it ranks 73 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
Halliday's 65th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Halliday's 63.5% 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 Halliday's figures come from
The methodology guide shows exactly how USFS turned 334 counted buildings into the percentiles shown above for Halliday. The exposure-zones guide covers what Halliday's dominant indirect exposure actually means, with real examples from across the dataset.