Haugan, MT
How exposed is Haugan to wildfire?
Haugan's 72 buildings earn a 85th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Haugan at the 83rd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Haugan's buildings actually sit
Direct exposure dominates in Haugan: 86.1% of its 72 buildings, versus 13.9% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Haugan against the rest of the country
Haugan's 85th national percentile looks worse in isolation than its 63rd ranking inside Montana does — this place is on the milder end for its own state, by 22 points. Among the 31,521 US communities USFS scores, Haugan ranks 4,728 for wildfire risk (1 is highest) and 30,212 by building count (1 is largest). Within Montana alone, it ranks 177 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
Haugan's 85th-percentile, very 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.
What would actually reduce this score
With 86.1% of Haugan 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 Haugan's figures come from
The methodology guide shows exactly how USFS turned 72 counted buildings into the percentiles shown above for Haugan. The exposure-zones guide covers what Haugan's dominant direct exposure actually means, with real examples from across the dataset.