Frazer, MT
Frazer wildfire risk explained
USFS's Wildfire Risk to Communities model puts Frazer at the 64th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 146 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frazer at the 62nd percentile, close to its 64th-percentile risk score.
Frazer's building exposure, zone by zone
146 buildings are counted in Frazer, and 68.5% of them are Indirect exposure — ember-driven risk rather than the 31.5% in Direct exposure or the 0% rated Minimal.
Frazer against the rest of the country
Frazer's 64th national percentile looks worse in isolation than its 30th ranking inside Montana does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Frazer ranks 11,509 for wildfire risk (1 is highest) and 27,030 by building count (1 is largest). Within Montana alone, it ranks 332 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Frazer and the insurance market
Frazer's 64th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Frazer
Frazer's 68.5% 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.
More on how this number was built
Frazer's 64th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Frazer, see the exposure-zones guide.