Mountain, ND
Mountain wildfire risk explained
Out of every US place USFS scores, Mountain lands at the 52nd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 79 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Mountain's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
USFS puts 78.5% of Mountain's 79 buildings in the Indirect exposure zone, versus 21.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Mountain against the rest of the country
Mountain's risk sits at a similar level relative to North Dakota (56th percentile statewide) as it does nationally (52nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Mountain ranks 15,230 for wildfire risk (1 is highest) and 29,938 by building count (1 is largest). Within North Dakota alone, it ranks 174 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Mountain
Mountain's elevated rating (52nd 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
Mountain's 78.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Mountain's figures come from
The methodology guide shows exactly how USFS turned 79 counted buildings into the percentiles shown above for Mountain. The exposure-zones guide covers what Mountain's dominant indirect exposure actually means, with real examples from across the dataset.