Havre, MT
Havre wildfire risk explained
USFS scores Havre at the 61st national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,850 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Havre at the 56th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Havre's buildings actually sit
Indirect exposure is dominant in Havre (96.5% of 4,850 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 3.5% sit in the Direct zone.
Havre against the rest of the country
Havre ranks lower within Montana (26th percentile statewide) than its 61st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Havre ranks 12,389 for wildfire risk (1 is highest) and 3,524 by building count (1 is largest). Within Montana alone, it ranks 350 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
Havre's high rating (61st 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 Havre
With ember exposure the dominant pattern in Havre (96.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Havre's 61st-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 Havre, see the exposure-zones guide.