Klein, MT
Klein, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Klein at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 212 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Klein at the 95th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Klein's buildings actually sit
212 buildings are counted in Klein, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Klein against the rest of the country
Klein scores 95th nationally and 88th 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, Klein ranks 1,605 for wildfire risk (1 is highest) and 24,404 by building count (1 is largest). Within Montana alone, it ranks 56 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Klein
Klein's 95th-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.
What would actually reduce this score
Klein's 100% 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 Klein's figures come from
Klein's 95th-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 Klein's dominant direct exposure actually means, with real examples from across the dataset.