Gallatin River Ranch, MT
Gallatin River Ranch, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Gallatin River Ranch at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 117 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 Gallatin River Ranch at the 72nd percentile, close to its 76th-percentile risk score.
Where Gallatin River Ranch's buildings actually sit
Direct exposure dominates in Gallatin River Ranch: 100% of its 117 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Gallatin River Ranch ranks
Gallatin River Ranch's 76th national percentile looks worse in isolation than its 47th ranking inside Montana does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Gallatin River Ranch ranks 7,533 for wildfire risk (1 is highest) and 28,316 by building count (1 is largest). Within Montana alone, it ranks 253 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
Gallatin River Ranch's 76th-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.
Lowering exposure, not just insuring around it
With 100% of Gallatin River Ranch in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Gallatin River Ranch's figures come from
Every one of the two percentiles behind Gallatin River Ranch's 7,533-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Gallatin River Ranch's dominant direct exposure actually means, with real examples from across the dataset.