Lake Mary Ronan, MT
Lake Mary Ronan wildfire risk explained
Lake Mary Ronan sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 104 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Mary Ronan at the 88th percentile, close to its 89th-percentile risk score.
What "at risk" means for the buildings here
104 buildings are counted in Lake Mary Ronan, 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.
Lake Mary Ronan against the rest of the country
Inside Montana, Lake Mary Ronan sits at just the 73rd percentile even though it scores 89th 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, Lake Mary Ronan ranks 3,625 for wildfire risk (1 is highest) and 28,853 by building count (1 is largest). Within Montana alone, it ranks 128 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Lake Mary Ronan and the insurance market
Lake Mary Ronan's 89th-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.
Lowering exposure, not just insuring around it
Lake Mary Ronan'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.
More on how this number was built
Every one of the two percentiles behind Lake Mary Ronan's 3,625-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Lake Mary Ronan, see the exposure-zones guide.