Lolo, MT
Lolo, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Lolo at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,910 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lolo's burn probability — fire likelihood with no building count factored in — sits at the 91st percentile nationally.
Where Lolo's buildings actually sit
1,910 buildings are counted in Lolo, and 61.5% of them are Indirect exposure — ember-driven risk rather than the 38.4% in Direct exposure or the 0.2% rated Minimal.
How Lolo compares
Lolo's risk sits at a similar level relative to Montana (82nd percentile statewide) as it does nationally (92nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lolo ranks 2,399 for wildfire risk (1 is highest) and 7,732 by building count (1 is largest). Within Montana alone, it ranks 84 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Lolo
At the 92nd percentile nationally, Lolo 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
Because 61.5% of Lolo'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.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,910 counted buildings into the percentiles shown above for Lolo. For more on what indirect exposure implies beyond Lolo, see the exposure-zones guide.