Lonepine, MT
How exposed is Lonepine to wildfire?
USFS's Wildfire Risk to Communities model puts Lonepine at the 81st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 279 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lonepine at the 79th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Lonepine's building exposure, zone by zone
Of Lonepine's 279 counted buildings, 71.3% carry Direct exposure and only 0.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Lonepine ranks
Lonepine ranks lower within Montana (54th percentile statewide) than its 81st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Lonepine ranks 6,149 for wildfire risk (1 is highest) and 22,225 by building count (1 is largest). Within Montana alone, it ranks 221 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 81st percentile nationally, Lonepine 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 Direct exposure dominates in Lonepine (71.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Lonepine's figures come from
The methodology guide shows exactly how USFS turned 279 counted buildings into the percentiles shown above for Lonepine. The exposure-zones guide covers what Lonepine's dominant direct exposure actually means, with real examples from across the dataset.