Bearcreek, MT
Bearcreek, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Bearcreek at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 96 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bearcreek's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
Bearcreek's building exposure, zone by zone
Of Bearcreek's 96 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Bearcreek ranks
Bearcreek's risk sits at a similar level relative to Montana (81st percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bearcreek ranks 2,553 for wildfire risk (1 is highest) and 29,238 by building count (1 is largest). Within Montana alone, it ranks 90 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
Bearcreek's very high rating (92nd 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 Bearcreek
Because Direct exposure dominates in Bearcreek (100%), 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
Bearcreek's 92nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Bearcreek, see the exposure-zones guide.