Camp Three, MT
Camp Three wildfire risk explained
Out of every US place USFS scores, Camp Three lands at the 94th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 256 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Camp Three at the 93rd percentile, close to its 94th-percentile risk score.
Where Camp Three's buildings actually sit
76.6% of Camp Three's 256 buildings sit in USFS's Direct exposure zone, roughly 196 structures close enough to burnable vegetation for flame contact, not just embers — 23.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Camp Three against the rest of the country
Camp Three's risk sits at a similar level relative to Montana (85th percentile statewide) as it does nationally (94th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Camp Three ranks 2,048 for wildfire risk (1 is highest) and 22,947 by building count (1 is largest). Within Montana alone, it ranks 74 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Camp Three and the insurance market
Camp Three's 94th-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.
What would actually reduce this score
Because Direct exposure dominates in Camp Three (76.6%), 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
Camp Three's 94th-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 Camp Three, see the exposure-zones guide.