Boyd, MT
How exposed is Boyd to wildfire?
USFS's Wildfire Risk to Communities model puts Boyd at the 88th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 41 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Boyd's burn probability — fire likelihood with no building count factored in — sits at the 88th percentile nationally.
Where Boyd's buildings actually sit
56.1% of Boyd's 41 buildings sit in USFS's Direct exposure zone, roughly 23 structures close enough to burnable vegetation for flame contact, not just embers — 43.9% fall in the Indirect, ember-only zone and 0% are Minimal.
Boyd against the rest of the country
Boyd ranks lower within Montana (71st percentile statewide) than its 88th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Boyd ranks 3,786 for wildfire risk (1 is highest) and 31,142 by building count (1 is largest). Within Montana alone, it ranks 138 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Boyd and the insurance market
Boyd's 88th-percentile, very 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.
Lowering exposure, not just insuring around it
With 56.1% of Boyd in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Boyd's figures come from
The methodology guide shows exactly how USFS turned 41 counted buildings into the percentiles shown above for Boyd. The exposure-zones guide covers what Boyd's dominant direct exposure actually means, with real examples from across the dataset.