Makoti, ND
Makoti wildfire risk explained
Out of every US place USFS scores, Makoti lands at the 47th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 176 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Makoti at the 43rd percentile, close to its 47th-percentile risk score.
Where Makoti's buildings actually sit
Makoti rates 73.3% Minimal exposure against just 26.7% Direct and 0% Indirect — of 176 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Makoti ranks
Makoti scores 47th nationally and 44th within North Dakota — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Makoti ranks 16,680 for wildfire risk (1 is highest) and 25,795 by building count (1 is largest). Within North Dakota alone, it ranks 224 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
Makoti's elevated wildfire rating (47th 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.
What would actually reduce this score
Even with 73.3% of Makoti outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Makoti's 47th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Makoti, see the exposure-zones guide.