King Ranch Colony, MT
King Ranch Colony, MT's wildfire risk, in USFS's own numbers
USFS scores King Ranch Colony at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 52 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks King Ranch Colony at the 29th national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
84.6% of King Ranch Colony's 52 buildings sit in USFS's Direct exposure zone, roughly 44 structures close enough to burnable vegetation for flame contact, not just embers — 15.4% fall in the Indirect, ember-only zone and 0% are Minimal.
King Ranch Colony against the rest of the country
Inside Montana, King Ranch Colony sits at just the 6th percentile even though it scores 31st 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, King Ranch Colony ranks 21,839 for wildfire risk (1 is highest) and 30,879 by building count (1 is largest). Within Montana alone, it ranks 449 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
King Ranch Colony's moderate rating (31st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
King Ranch Colony's 84.6% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where King Ranch Colony's figures come from
King Ranch Colony's 31st-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 King Ranch Colony's dominant direct exposure actually means, with real examples from across the dataset.