De Borgia, MT
How exposed is De Borgia to wildfire?
Out of every US place USFS scores, De Borgia lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 135 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks De Borgia at the 89th national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where De Borgia's buildings actually sit
USFS classifies 88.9% of De Borgia's buildings as Direct exposure, higher than its 11.1% Indirect share and far above its 0% Minimal share — a profile where 120 structures sit close enough to vegetation that lot clearing matters most.
How De Borgia compares
De Borgia's risk sits at a similar level relative to Montana (81st percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, De Borgia ranks 2,582 for wildfire risk (1 is highest) and 27,501 by building count (1 is largest). Within Montana alone, it ranks 92 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
De Borgia and the insurance market
At the 92nd percentile nationally, De Borgia 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.
What would actually reduce this score
Because Direct exposure dominates in De Borgia (88.9%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where De Borgia's figures come from
The methodology guide shows exactly how USFS turned 135 counted buildings into the percentiles shown above for De Borgia. The exposure-zones guide covers what De Borgia's dominant direct exposure actually means, with real examples from across the dataset.