Big Sky Colony, MT
Big Sky Colony wildfire risk explained
Big Sky Colony's 40 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Big Sky Colony at the 74th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
40 buildings are counted in Big Sky Colony, and 100% of them are Indirect exposure — ember-driven risk rather than the 0% in Direct exposure or the 0% rated Minimal.
Big Sky Colony against the rest of the country
Inside Montana, Big Sky Colony sits at just the 43rd percentile even though it scores 74th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Big Sky Colony ranks 8,324 for wildfire risk (1 is highest) and 31,171 by building count (1 is largest). Within Montana alone, it ranks 271 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Big Sky Colony and the insurance market
At the 74th percentile nationally, Big Sky Colony carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Big Sky Colony (100% 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
Big Sky Colony's 74th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Big Sky Colony, see the exposure-zones guide.