Loraine, ND
How exposed is Loraine to wildfire?
USFS's Wildfire Risk to Communities model puts Loraine at the 34th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 38 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loraine at the 31st national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Loraine's buildings actually sit
USFS classifies 73.7% of Loraine's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 26.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Loraine against the rest of the country
Inside North Dakota, Loraine sits at just the 16th percentile even though it scores 34th 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, Loraine ranks 20,682 for wildfire risk (1 is highest) and 31,212 by building count (1 is largest). Within North Dakota alone, it ranks 338 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Loraine and the insurance market
Loraine's moderate rating (34th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Loraine's 73.7% 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 Loraine's figures come from
The methodology guide shows exactly how USFS turned 38 counted buildings into the percentiles shown above for Loraine. The exposure-zones guide covers what Loraine's dominant minimal exposure actually means, with real examples from across the dataset.