Ayers Ranch Colony, MT
Ayers Ranch Colony, MT's wildfire risk, in USFS's own numbers
USFS scores Ayers Ranch Colony at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 42 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Ayers Ranch Colony at the 82nd national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
42 buildings are counted in Ayers Ranch Colony, and 81% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Ayers Ranch Colony against the rest of the country
Ayers Ranch Colony ranks lower within Montana (58th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ayers Ranch Colony ranks 5,327 for wildfire risk (1 is highest) and 31,115 by building count (1 is largest). Within Montana alone, it ranks 201 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
Ayers Ranch Colony's very high rating (83rd 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Ayers Ranch Colony (81%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 42 counted buildings into the percentiles shown above for Ayers Ranch Colony. For more on what direct exposure implies beyond Ayers Ranch Colony, see the exposure-zones guide.