Florence, MT
How exposed is Florence to wildfire?
Out of every US place USFS scores, Florence lands at the 93rd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 540 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 Florence at the 94th percentile, close to its 93rd-percentile risk score.
What "at risk" means for the buildings here
540 buildings are counted in Florence, and 53.3% of them are Indirect exposure — ember-driven risk rather than the 46.7% in Direct exposure or the 0% rated Minimal.
Florence against the rest of the country
Florence scores 93rd nationally and 83rd 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, Florence ranks 2,333 for wildfire risk (1 is highest) and 16,721 by building count (1 is largest). Within Montana alone, it ranks 79 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
Florence's very high rating (93rd 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 Florence
Florence's 53.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Florence's figures come from
The methodology guide shows exactly how USFS turned 540 counted buildings into the percentiles shown above for Florence. The exposure-zones guide covers what Florence's dominant indirect exposure actually means, with real examples from across the dataset.