Cyr, MT
Cyr wildfire risk explained
Out of every US place USFS scores, Cyr lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 81 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cyr's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 100% of Cyr's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 81 structures sit close enough to vegetation that lot clearing matters most.
Cyr against the rest of the country
Cyr scores 95th nationally and 87th 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, Cyr ranks 1,703 for wildfire risk (1 is highest) and 29,854 by building count (1 is largest). Within Montana alone, it ranks 61 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
Cyr's 95th-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
Cyr's 100% 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.
Where Cyr's figures come from
Cyr's 95th-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 Cyr's dominant direct exposure actually means, with real examples from across the dataset.