Karlsruhe, ND
Karlsruhe, ND's wildfire risk, in USFS's own numbers
Karlsruhe sits at the 38th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 127 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Karlsruhe at the 35th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Karlsruhe's building exposure, zone by zone
Most of Karlsruhe's buildings (63% of 127) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Karlsruhe compares
Inside North Dakota, Karlsruhe sits at just the 22nd percentile even though it scores 38th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Karlsruhe ranks 19,421 for wildfire risk (1 is highest) and 27,864 by building count (1 is largest). Within North Dakota alone, it ranks 313 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
Karlsruhe's moderate wildfire rating (38th 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
Karlsruhe's 63% 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.
Where Karlsruhe's figures come from
The methodology guide shows exactly how USFS turned 127 counted buildings into the percentiles shown above for Karlsruhe. The exposure-zones guide covers what Karlsruhe's dominant minimal exposure actually means, with real examples from across the dataset.