Fox, MT
How exposed is Fox to wildfire?
USFS scores Fox at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 163 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fox at the 92nd percentile, close to its 91st-percentile risk score.
What "at risk" means for the buildings here
USFS classifies 100% of Fox's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 163 structures sit close enough to vegetation that lot clearing matters most.
Fox against the rest of the country
There's little gap between Fox's 91st national percentile and its 79th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fox ranks 2,956 for wildfire risk (1 is highest) and 26,289 by building count (1 is largest). Within Montana alone, it ranks 103 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
Fox's very high rating (91st 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.
Lowering exposure, not just insuring around it
Fox'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 Fox's figures come from
The methodology guide shows exactly how USFS turned 163 counted buildings into the percentiles shown above for Fox. The exposure-zones guide covers what Fox's dominant direct exposure actually means, with real examples from across the dataset.