Lodge Grass, MT
Lodge Grass, MT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Lodge Grass lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 193 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lodge Grass at the 94th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
91.7% of Lodge Grass's 193 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 8.3% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Lodge Grass ranks
Lodge Grass's risk sits at a similar level relative to Montana (80th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lodge Grass ranks 2,809 for wildfire risk (1 is highest) and 25,126 by building count (1 is largest). Within Montana alone, it ranks 98 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 91st percentile nationally, Lodge Grass 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.
Hardening a home in Lodge Grass
Because 91.7% of Lodge Grass's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Lodge Grass's figures come from
Lodge Grass's 91st-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 Lodge Grass's dominant indirect exposure actually means, with real examples from across the dataset.