Lincoln, MT
Lincoln, MT's wildfire risk, in USFS's own numbers
USFS scores Lincoln at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,479 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lincoln's burn probability — fire likelihood with no building count factored in — sits at the 96th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 92.2% of Lincoln's buildings as Direct exposure, higher than its 7.8% Indirect share and far above its 0% Minimal share — a profile where 1,364 structures sit close enough to vegetation that lot clearing matters most.
Lincoln against the rest of the country
Lincoln's risk sits at a similar level relative to Montana (93rd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lincoln ranks 1,039 for wildfire risk (1 is highest) and 9,258 by building count (1 is largest). Within Montana alone, it ranks 34 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 97th percentile nationally, Lincoln 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.
Lowering exposure, not just insuring around it
With 92.2% of Lincoln in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,479 counted buildings into the percentiles shown above for Lincoln. For more on what direct exposure implies beyond Lincoln, see the exposure-zones guide.