* Electronegativity: Fluorine is the most electronegative element on the periodic table, meaning it has a strong attraction for electrons. Nitrogen is also electronegative, but less so than fluorine.
* Polarity: The greater the difference in electronegativity between two atoms, the more polar the bond. The electronegativity difference between hydrogen and fluorine is significantly larger than the difference between hydrogen and nitrogen. This means the electrons in the H-F bond are pulled much more strongly towards fluorine, creating a much greater partial negative charge on the fluorine atom and a partial positive charge on the hydrogen atom.
In summary: The H-F bond is the most polar because fluorine's strong electronegativity pulls the shared electrons away from the hydrogen atom, creating a more significant separation of charge.