North River, ND
North River, ND's wildfire risk, in USFS's own numbers
North River sits at the 51st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 25 counted buildings, not vegetation cover alone. (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 River at the 52nd percentile, close to its 51st-percentile risk score.
North River's building exposure, zone by zone
25 buildings are counted in North River, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where North River ranks
North River's risk sits at a similar level relative to North Dakota (56th percentile statewide) as it does nationally (51st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, North River ranks 15,325 for wildfire risk (1 is highest) and 31,416 by building count (1 is largest). Within North Dakota alone, it ranks 178 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
North River's elevated wildfire rating (51st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in North River (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where North River's figures come from
The methodology guide shows exactly how USFS turned 25 counted buildings into the percentiles shown above for North River. The exposure-zones guide covers what North River's dominant direct exposure actually means, with real examples from across the dataset.