Harvey, ND
How exposed is Harvey to wildfire?
Out of every US place USFS scores, Harvey lands at the 34th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,445 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 Harvey at the 32nd percentile, close to its 34th-percentile risk score.
Harvey's building exposure, zone by zone
USFS classifies 87.4% of Harvey's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 12.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
How Harvey compares
Harvey's 34th national percentile looks worse in isolation than its 14th ranking inside North Dakota does — this place is on the milder end for its own state, by 19 points. Among the 31,521 US communities USFS scores, Harvey ranks 20,964 for wildfire risk (1 is highest) and 9,408 by building count (1 is largest). Within North Dakota alone, it ranks 344 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Harvey
Harvey's moderate wildfire rating (34th 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
Harvey's 87.4% 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 1,445 counted buildings into the percentiles shown above for Harvey. For more on what minimal exposure implies beyond Harvey, see the exposure-zones guide.