Pembina, ND
Pembina, ND's wildfire risk, in USFS's own numbers
USFS scores Pembina at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 449 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pembina's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Pembina's building exposure, zone by zone
Pembina rates 87.3% Minimal exposure against just 12.7% Direct and 0% Indirect — of 449 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Pembina compares
Pembina's risk sits at a similar level relative to North Dakota (70th percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Pembina ranks 13,057 for wildfire risk (1 is highest) and 18,303 by building count (1 is largest). Within North Dakota alone, it ranks 124 of 402 places by risk. See the full county-by-county picture for North Dakota on its state page.
Shopping for coverage in Pembina
Pembina's elevated wildfire rating (59th 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.
Hardening a home in Pembina
With 87.3% of buildings rated Minimal exposure, Pembina gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Pembina's figures come from
Every one of the two percentiles behind Pembina's 13,057-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Pembina's dominant minimal exposure actually means, with real examples from across the dataset.