Loma, ND
Loma, ND's wildfire risk, in USFS's own numbers
Loma's 71 buildings earn a 75th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Loma at the 72nd percentile, close to its 75th-percentile risk score.
What "at risk" means for the buildings here
Of Loma's 71 counted buildings, 70.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Loma ranks
Within North Dakota, Loma ranks higher (92nd percentile) than it does nationally (75th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Loma ranks 7,794 for wildfire risk (1 is highest) and 30,254 by building count (1 is largest). Within North Dakota alone, it ranks 35 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Loma
Loma's 75th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With 70.4% of Loma 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 71 counted buildings into the percentiles shown above for Loma. For more on what direct exposure implies beyond Loma, see the exposure-zones guide.