Tolna, ND
Tolna wildfire risk explained
Tolna sits at the 73rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 197 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Tolna at the 71st percentile, close to its 73rd-percentile risk score.
Tolna's building exposure, zone by zone
USFS puts 51.8% of Tolna's 197 buildings in the Indirect exposure zone, versus 48.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Tolna ranks
Compare Tolna's two percentiles: 90th within North Dakota, only 73rd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Tolna ranks 8,546 for wildfire risk (1 is highest) and 24,967 by building count (1 is largest). Within North Dakota alone, it ranks 43 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
Tolna's high rating (73rd 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 Tolna
Tolna's 51.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 197 counted buildings into the percentiles shown above for Tolna. For more on what indirect exposure implies beyond Tolna, see the exposure-zones guide.