Goldcreek, MT
Goldcreek, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Goldcreek at the 83rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 30 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 Goldcreek at the 81st percentile, close to its 83rd-percentile risk score.
Where Goldcreek's buildings actually sit
Of Goldcreek's 30 counted buildings, 96.7% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Goldcreek compares
Goldcreek's 83rd national percentile looks worse in isolation than its 57th ranking inside Montana does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Goldcreek ranks 5,359 for wildfire risk (1 is highest) and 31,362 by building count (1 is largest). Within Montana alone, it ranks 203 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
Goldcreek's very high rating (83rd 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 Goldcreek
Goldcreek's 96.7% 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.
More on how this number was built
Goldcreek's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Goldcreek, see the exposure-zones guide.