Hankinson, ND
Hankinson wildfire risk explained
USFS scores Hankinson at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 879 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hankinson at the 44th percentile, close to its 46th-percentile risk score.
What "at risk" means for the buildings here
Only 20.5% of Hankinson's 879 buildings carry Direct exposure and 0.2% carry Indirect; the remaining 79.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Hankinson compares
Hankinson scores 46th nationally and 40th 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, Hankinson ranks 17,092 for wildfire risk (1 is highest) and 12,918 by building count (1 is largest). Within North Dakota alone, it ranks 240 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
Hankinson's elevated wildfire rating (46th 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.
Lowering exposure, not just insuring around it
Hankinson's 79.3% 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.
Where Hankinson's figures come from
The methodology guide shows exactly how USFS turned 879 counted buildings into the percentiles shown above for Hankinson. The exposure-zones guide covers what Hankinson's dominant minimal exposure actually means, with real examples from across the dataset.