Niagara, ND
Niagara wildfire risk explained
Niagara's 69 buildings earn a 48th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Niagara's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
Niagara's building exposure, zone by zone
Only 46.4% of Niagara's 69 buildings carry Direct exposure and 0% carry Indirect; the remaining 53.6% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Niagara compares
Niagara scores 48th nationally and 46th 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, Niagara ranks 16,396 for wildfire risk (1 is highest) and 30,320 by building count (1 is largest). Within North Dakota alone, it ranks 216 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
At the 48th national percentile, Niagara rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Hardening a home in Niagara
Even with 53.6% of Niagara 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.
Where Niagara's figures come from
The methodology guide shows exactly how USFS turned 69 counted buildings into the percentiles shown above for Niagara. The exposure-zones guide covers what Niagara's dominant minimal exposure actually means, with real examples from across the dataset.