Coram, MT
Coram, MT's wildfire risk, in USFS's own numbers
Coram's 529 buildings earn a 95th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Coram at the 95th percentile, close to its 95th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Coram: 90.2% of its 529 buildings, versus 9.8% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Coram against the rest of the country
There's little gap between Coram's 95th national percentile and its 89th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Coram ranks 1,512 for wildfire risk (1 is highest) and 16,880 by building count (1 is largest). Within Montana alone, it ranks 52 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Coram
At the 95th percentile nationally, Coram 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.
Lowering exposure, not just insuring around it
Coram's 90.2% 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
Every one of the two percentiles behind Coram's 1,512-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Coram, see the exposure-zones guide.