Kremlin, MT
Kremlin wildfire risk explained
Out of every US place USFS scores, Kremlin lands at the 6th percentile for wildfire risk to structures — among the lower wildfire-risk places nationally — a figure built from its 136 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kremlin at the 5th percentile, close to its 6th-percentile risk score.
Where Kremlin's buildings actually sit
80.9% of Kremlin's 136 buildings sit in USFS's Minimal exposure zone, with only 19.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Kremlin ranks
Kremlin's risk sits at a similar level relative to Montana (1st percentile statewide) as it does nationally (6th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Kremlin ranks 29,601 for wildfire risk (1 is highest) and 27,453 by building count (1 is largest). Within Montana alone, it ranks 472 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
At the 6th national percentile, Kremlin rates low for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Kremlin's 80.9% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 136 counted buildings into the percentiles shown above for Kremlin. For more on what minimal exposure implies beyond Kremlin, see the exposure-zones guide.