Kevin, MT
Kevin wildfire risk explained
USFS scores Kevin at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 206 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Kevin's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
Kevin's building exposure, zone by zone
USFS puts 57.3% of Kevin's 206 buildings in the Indirect exposure zone, versus 42.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Kevin against the rest of the country
Kevin ranks lower within Montana (33rd percentile statewide) than its 65th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Kevin ranks 11,063 for wildfire risk (1 is highest) and 24,645 by building count (1 is largest). Within Montana alone, it ranks 321 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Kevin and the insurance market
At the 65th percentile nationally, Kevin 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
With ember exposure the dominant pattern in Kevin (57.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Kevin's figures come from
Every one of the two percentiles behind Kevin's 11,063-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Kevin's dominant indirect exposure actually means, with real examples from across the dataset.