Coffee Creek, MT
How exposed is Coffee Creek to wildfire?
Coffee Creek's 64 buildings earn a 24th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coffee Creek at the 22nd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Coffee Creek's building exposure, zone by zone
Of Coffee Creek's 64 counted buildings, 67.2% carry Direct exposure and only 32.8% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Coffee Creek against the rest of the country
Coffee Creek ranks lower within Montana (3rd percentile statewide) than its 24th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Coffee Creek ranks 23,889 for wildfire risk (1 is highest) and 30,512 by building count (1 is largest). Within Montana alone, it ranks 459 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Coffee Creek and the insurance market
Coffee Creek's moderate rating (24th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Coffee Creek's 67.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 64 counted buildings into the percentiles shown above for Coffee Creek. For more on what direct exposure implies beyond Coffee Creek, see the exposure-zones guide.