North Ogden, UT
North Ogden wildfire risk explained
North Ogden's 7,071 buildings earn a 93rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts North Ogden at the 89th percentile, close to its 93rd-percentile risk score.
North Ogden's building exposure, zone by zone
56.7% of North Ogden's 7,071 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 13.9% Direct and 29.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone. At 7,071 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
North Ogden against the rest of the country
North Ogden ranks lower within Utah (68th percentile statewide) than its 93rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, North Ogden ranks 2,222 for wildfire risk (1 is highest) and 2,423 by building count (1 is largest). Within Utah alone, it ranks 105 of 326 places by risk. See the full county-by-county picture for Utah on its state page.
What this risk score means for insurance
North Ogden's very high rating (93rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in North Ogden (56.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 7,071 counted buildings into the percentiles shown above for North Ogden. For more on what indirect exposure implies beyond North Ogden, see the exposure-zones guide.