Horace, ND
Horace wildfire risk explained
USFS scores Horace at the 38th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,552 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 Horace at the 37th percentile, close to its 38th-percentile risk score.
Where Horace's buildings actually sit
Direct exposure dominates in Horace: 52.7% of its 1,552 buildings, versus 0% Indirect and 47.3% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Horace compares
Horace ranks lower within North Dakota (20th percentile statewide) than its 38th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Horace ranks 19,670 for wildfire risk (1 is highest) and 8,946 by building count (1 is largest). Within North Dakota alone, it ranks 322 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
At the 38th national percentile, Horace rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 52.7% of Horace in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Horace's figures come from
The methodology guide shows exactly how USFS turned 1,552 counted buildings into the percentiles shown above for Horace. The exposure-zones guide covers what Horace's dominant direct exposure actually means, with real examples from across the dataset.