St. John, ND
How exposed is St. John to wildfire?
USFS scores St. John at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 213 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 St. John at the 84th percentile, close to its 85th-percentile risk score.
Where St. John's buildings actually sit
Indirect exposure is dominant in St. John (55.9% of 213 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.1% sit in the Direct zone.
Where St. John ranks
St. John scores 85th nationally and 97th 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, St. John ranks 4,900 for wildfire risk (1 is highest) and 24,372 by building count (1 is largest). Within North Dakota alone, it ranks 14 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
St. John's very high rating (85th 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.
Hardening a home in St. John
Because 55.9% of St. John's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where St. John's figures come from
St. John's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what St. John's dominant indirect exposure actually means, with real examples from across the dataset.