Amsterdam, MT
Amsterdam wildfire risk explained
Amsterdam sits at the 33rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 200 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Amsterdam at the 32nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Amsterdam's building exposure, zone by zone
58% of Amsterdam's 200 buildings sit in USFS's Direct exposure zone, roughly 116 structures close enough to burnable vegetation for flame contact, not just embers — 23.5% fall in the Indirect, ember-only zone and 18.5% are Minimal.
Amsterdam against the rest of the country
Amsterdam ranks lower within Montana (6th percentile statewide) than its 33rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Amsterdam ranks 21,086 for wildfire risk (1 is highest) and 24,843 by building count (1 is largest). Within Montana alone, it ranks 447 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
Amsterdam's moderate wildfire rating (33rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Amsterdam's 58% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 200 counted buildings into the percentiles shown above for Amsterdam. For more on what direct exposure implies beyond Amsterdam, see the exposure-zones guide.