Bridger (Gallatin), MT
How exposed is Bridger (Gallatin) to wildfire?
USFS scores Bridger (Gallatin) at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 58 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bridger (Gallatin)'s burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Bridger (Gallatin)'s building exposure, zone by zone
58 buildings are counted in Bridger (Gallatin), and 100% 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.
Where Bridger (Gallatin) ranks
Bridger (Gallatin) scores 91st nationally and 79th within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Bridger (Gallatin) ranks 2,929 for wildfire risk (1 is highest) and 30,715 by building count (1 is largest). Within Montana alone, it ranks 101 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
At the 91st percentile nationally, Bridger (Gallatin) carries the very 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.
Hardening a home in Bridger (Gallatin)
Because Direct exposure dominates in Bridger (Gallatin) (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bridger (Gallatin)'s figures come from
Bridger (Gallatin)'s 91st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Bridger (Gallatin)'s dominant direct exposure actually means, with real examples from across the dataset.