St. Thomas, ND
How exposed is St. Thomas to wildfire?
St. Thomas sits at the 11th percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 313 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks St. Thomas at the 13th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS classifies 83.1% of St. Thomas's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 16.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where St. Thomas ranks
St. Thomas scores 11th nationally and 2nd 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. Thomas ranks 28,154 for wildfire risk (1 is highest) and 21,293 by building count (1 is largest). Within North Dakota alone, it ranks 394 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. Thomas's low rating (11th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in St. Thomas
Even with 83.1% of St. Thomas outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 313 counted buildings into the percentiles shown above for St. Thomas. For more on what minimal exposure implies beyond St. Thomas, see the exposure-zones guide.