Havre North, MT
Havre North wildfire risk explained
Havre North's 660 buildings earn a 61st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Havre North at the 57th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Havre North's building exposure, zone by zone
Indirect exposure is dominant in Havre North (57.3% of 660 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 42.7% sit in the Direct zone.
How Havre North compares
Havre North's 61st national percentile looks worse in isolation than its 27th ranking inside Montana does — this place is on the milder end for its own state, by 34 points. Among the 31,521 US communities USFS scores, Havre North ranks 12,200 for wildfire risk (1 is highest) and 15,062 by building count (1 is largest). Within Montana alone, it ranks 345 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Havre North
At the 61st percentile nationally, Havre North carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Havre North's 57.3% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Havre North's figures come from
The methodology guide shows exactly how USFS turned 660 counted buildings into the percentiles shown above for Havre North. The exposure-zones guide covers what Havre North's dominant indirect exposure actually means, with real examples from across the dataset.