Harwood, ND
Harwood, ND's wildfire risk, in USFS's own numbers
Harwood's 441 buildings earn a 40th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harwood's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Harwood's building exposure, zone by zone
Harwood rates 75.3% Minimal exposure against just 24.7% Direct and 0% Indirect — of 441 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Harwood compares
Harwood's 40th national percentile looks worse in isolation than its 25th ranking inside North Dakota does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Harwood ranks 18,944 for wildfire risk (1 is highest) and 18,442 by building count (1 is largest). Within North Dakota alone, it ranks 302 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
Harwood's moderate wildfire rating (40th 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.
Hardening a home in Harwood
Harwood's 75.3% 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
Every one of the two percentiles behind Harwood's 18,944-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Harwood, see the exposure-zones guide.