Emigrant, MT
Emigrant wildfire risk explained
Out of every US place USFS scores, Emigrant lands at the 95th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 421 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 Emigrant at the 94th percentile, close to its 95th-percentile risk score.
Emigrant's building exposure, zone by zone
USFS classifies 95.3% of Emigrant's buildings as Direct exposure, higher than its 4.8% Indirect share and far above its 0% Minimal share — a profile where 401 structures sit close enough to vegetation that lot clearing matters most.
How Emigrant compares
Emigrant scores 95th nationally and 90th 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, Emigrant ranks 1,480 for wildfire risk (1 is highest) and 18,803 by building count (1 is largest). Within Montana alone, it ranks 49 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
Emigrant's very high rating (95th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Emigrant
Emigrant's 95.3% 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 Emigrant's figures come from
Emigrant'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 Emigrant's dominant direct exposure actually means, with real examples from across the dataset.