Sherwood, ND
How exposed is Sherwood to wildfire?
USFS scores Sherwood at the 51st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 253 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sherwood at the 50th percentile, close to its 51st-percentile risk score.
Where Sherwood's buildings actually sit
Most of Sherwood's buildings (95.7% of 253) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Sherwood compares
Sherwood's risk sits at a similar level relative to North Dakota (54th 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, Sherwood ranks 15,573 for wildfire risk (1 is highest) and 23,052 by building count (1 is largest). Within North Dakota alone, it ranks 184 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
Sherwood'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.
What would actually reduce this score
Sherwood's 95.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Sherwood's figures come from
Every one of the two percentiles behind Sherwood's 15,573-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Sherwood's dominant minimal exposure actually means, with real examples from across the dataset.