Hebgen Lake Estates, MT
How exposed is Hebgen Lake Estates to wildfire?
Hebgen Lake Estates's 91 buildings earn a 67th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Hebgen Lake Estates at the 66th percentile, close to its 67th-percentile risk score.
Hebgen Lake Estates's building exposure, zone by zone
Direct exposure dominates in Hebgen Lake Estates: 100% of its 91 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Hebgen Lake Estates compares
Inside Montana, Hebgen Lake Estates sits at just the 35th percentile even though it scores 67th 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, Hebgen Lake Estates ranks 10,339 for wildfire risk (1 is highest) and 29,453 by building count (1 is largest). Within Montana alone, it ranks 308 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Hebgen Lake Estates and the insurance market
Hebgen Lake Estates's high rating (67th 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 Hebgen Lake Estates
Because Direct exposure dominates in Hebgen Lake Estates (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Hebgen Lake Estates's figures come from
Hebgen Lake Estates's 67th-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 Hebgen Lake Estates's dominant direct exposure actually means, with real examples from across the dataset.