Camas, MT
How exposed is Camas to wildfire?
USFS's Wildfire Risk to Communities model puts Camas at the 85th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 65 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camas at the 85th percentile, close to its 85th-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 100% of Camas's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 65 structures sit close enough to vegetation that lot clearing matters most.
Camas against the rest of the country
Camas's 85th national percentile looks worse in isolation than its 63rd ranking inside Montana does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Camas ranks 4,791 for wildfire risk (1 is highest) and 30,461 by building count (1 is largest). Within Montana alone, it ranks 178 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
Camas's 85th-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 100% of Camas 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 Camas's figures come from
Camas's 85th-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 Camas's dominant direct exposure actually means, with real examples from across the dataset.