Landusky, MT
Landusky, MT's wildfire risk, in USFS's own numbers
USFS scores Landusky at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 49 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Landusky at the 86th percentile, close to its 88th-percentile risk score.
What "at risk" means for the buildings here
100% of Landusky's 49 buildings sit in USFS's Direct exposure zone, roughly 49 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Landusky compares
Inside Montana, Landusky sits at just the 69th percentile even though it scores 88th 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, Landusky ranks 3,936 for wildfire risk (1 is highest) and 30,961 by building count (1 is largest). Within Montana alone, it ranks 144 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 88th percentile nationally, Landusky carries the very 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
Landusky'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 Landusky's figures come from
Landusky's 88th-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 Landusky's dominant direct exposure actually means, with real examples from across the dataset.