Ludden, ND
How exposed is Ludden to wildfire?
Ludden's 71 buildings earn a 72nd-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 Ludden at the 70th percentile, close to its 72nd-percentile risk score.
Ludden's building exposure, zone by zone
Direct exposure dominates in Ludden: 95.8% of its 71 buildings, versus 0% Indirect and 4.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Ludden ranks
Within North Dakota, Ludden ranks higher (89th percentile) than it does nationally (72nd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Ludden ranks 8,959 for wildfire risk (1 is highest) and 30,255 by building count (1 is largest). Within North Dakota alone, it ranks 47 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Ludden
At the 72nd percentile nationally, Ludden carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With 95.8% of Ludden 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 Ludden's figures come from
Ludden's 72nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ludden's dominant direct exposure actually means, with real examples from across the dataset.