Finley Point, MT
Finley Point wildfire risk explained
Finley Point sits at the 96th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 900 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Finley Point at the 95th percentile, close to its 96th-percentile risk score.
Finley Point's building exposure, zone by zone
Direct exposure dominates in Finley Point: 97.8% of its 900 buildings, versus 0% Indirect and 2.2% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Finley Point against the rest of the country
There's little gap between Finley Point's 96th national percentile and its 92nd percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Finley Point ranks 1,169 for wildfire risk (1 is highest) and 12,723 by building count (1 is largest). Within Montana alone, it ranks 40 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Finley Point and the insurance market
At the 96th percentile nationally, Finley Point 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
Finley Point's 97.8% 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 Finley Point's figures come from
Every one of the two percentiles behind Finley Point's 1,169-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Finley Point's dominant direct exposure actually means, with real examples from across the dataset.