Harmon, ND
Harmon wildfire risk explained
Out of every US place USFS scores, Harmon lands at the 62nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 159 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 Harmon at the 60th percentile, close to its 62nd-percentile risk score.
Where Harmon's buildings actually sit
159 buildings are counted in Harmon, and 98.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Harmon ranks
Compare Harmon's two percentiles: 79th within North Dakota, only 62nd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Harmon ranks 11,884 for wildfire risk (1 is highest) and 26,489 by building count (1 is largest). Within North Dakota alone, it ranks 87 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
Harmon's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Harmon
Harmon's 98.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Harmon's 11,884-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Harmon, see the exposure-zones guide.