Tioga, ND
Tioga wildfire risk explained
Out of every US place USFS scores, Tioga lands at the 50th percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 1,359 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tioga at the 48th percentile, close to its 50th-percentile risk score.
Where Tioga's buildings actually sit
81.9% of Tioga's 1,359 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 12.7% Direct and 5.4% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
How Tioga compares
Tioga scores 50th nationally and 52nd 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, Tioga ranks 15,765 for wildfire risk (1 is highest) and 9,793 by building count (1 is largest). Within North Dakota alone, it ranks 193 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
At the 50th national percentile, Tioga rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With ember exposure the dominant pattern in Tioga (81.9% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Tioga's figures come from
The methodology guide shows exactly how USFS turned 1,359 counted buildings into the percentiles shown above for Tioga. The exposure-zones guide covers what Tioga's dominant indirect exposure actually means, with real examples from across the dataset.