Bainville, MT
Bainville, MT's wildfire risk, in USFS's own numbers
Bainville sits at the 71st 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 244 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bainville's burn probability — fire likelihood with no building count factored in — sits at the 70th percentile nationally.
Bainville's building exposure, zone by zone
Indirect exposure is dominant in Bainville (65.6% of 244 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 34.4% sit in the Direct zone.
How Bainville compares
Bainville's 71st national percentile looks worse in isolation than its 41st ranking inside Montana does — this place is on the milder end for its own state, by 30 points. Among the 31,521 US communities USFS scores, Bainville ranks 9,173 for wildfire risk (1 is highest) and 23,335 by building count (1 is largest). Within Montana alone, it ranks 283 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Bainville and the insurance market
Bainville's 71st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Bainville
With ember exposure the dominant pattern in Bainville (65.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 244 counted buildings into the percentiles shown above for Bainville. For more on what indirect exposure implies beyond Bainville, see the exposure-zones guide.