Overly, ND
Overly, ND's wildfire risk, in USFS's own numbers
Overly sits at the 52nd 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 49 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Overly at the 51st national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Direct exposure dominates in Overly: 59.2% of its 49 buildings, versus 0% Indirect and 40.8% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Overly ranks
Overly scores 52nd nationally and 58th 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, Overly ranks 15,042 for wildfire risk (1 is highest) and 30,962 by building count (1 is largest). Within North Dakota alone, it ranks 169 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Overly and the insurance market
Overly's elevated wildfire rating (52nd 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
Overly's 59.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Overly's 52nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Overly, see the exposure-zones guide.