Heimdal, ND
Heimdal wildfire risk explained
USFS scores Heimdal at the 35th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 47 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Heimdal at the 31st national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Heimdal's buildings actually sit
74.5% of Heimdal's 47 buildings sit in USFS's Minimal exposure zone, with only 25.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Heimdal against the rest of the country
Heimdal ranks lower within North Dakota (17th percentile statewide) than its 35th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Heimdal ranks 20,523 for wildfire risk (1 is highest) and 31,007 by building count (1 is largest). Within North Dakota alone, it ranks 336 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
Heimdal's moderate wildfire rating (35th 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 Heimdal
Even with 74.5% of Heimdal outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Heimdal's figures come from
Every one of the two percentiles behind Heimdal's 20,523-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Heimdal's dominant minimal exposure actually means, with real examples from across the dataset.