Jardine, MT
Jardine, MT's wildfire risk, in USFS's own numbers
USFS scores Jardine at the 96th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 82 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Jardine at the 96th percentile, close to its 96th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Jardine: 100% of its 82 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Jardine compares
Jardine scores 96th nationally and 91st within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Jardine ranks 1,234 for wildfire risk (1 is highest) and 29,810 by building count (1 is largest). Within Montana alone, it ranks 43 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Jardine
Jardine's 96th-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.
Hardening a home in Jardine
Because Direct exposure dominates in Jardine (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Jardine's 96th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Jardine, see the exposure-zones guide.