Hartland Colony, MT
How exposed is Hartland Colony to wildfire?
USFS's Wildfire Risk to Communities model puts Hartland Colony at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 31 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 Hartland Colony at the 38th percentile, close to its 41st-percentile risk score.
What "at risk" means for the buildings here
USFS puts 77.4% of Hartland Colony's 31 buildings in the Indirect exposure zone, versus 22.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Hartland Colony compares
Inside Montana, Hartland Colony sits at just the 7th percentile even though it scores 41st nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Hartland Colony ranks 18,722 for wildfire risk (1 is highest) and 31,347 by building count (1 is largest). Within Montana alone, it ranks 440 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Hartland Colony
Hartland Colony's elevated wildfire rating (41st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Because 77.4% of Hartland Colony's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Hartland Colony's figures come from
Hartland Colony's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Hartland Colony's dominant indirect exposure actually means, with real examples from across the dataset.