Hampden, ND
Hampden wildfire risk explained
Hampden sits at the 40th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 80 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hampden at the 35th percentile, close to its 40th-percentile risk score.
Where Hampden's buildings actually sit
Only 13.8% of Hampden's 80 buildings carry Direct exposure and 0% carry Indirect; the remaining 86.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Hampden compares
Hampden scores 40th nationally and 25th within North Dakota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Hampden ranks 18,882 for wildfire risk (1 is highest) and 29,892 by building count (1 is largest). Within North Dakota alone, it ranks 301 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Hampden and the insurance market
Hampden's elevated rating (40th 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
Hampden's 86.3% 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
Hampden's 40th-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 Hampden, see the exposure-zones guide.