Luther, MT
Luther wildfire risk explained
USFS's Wildfire Risk to Communities model puts Luther at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 63 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Luther's burn probability — fire likelihood with no building count factored in — sits at the 93rd percentile nationally.
Where Luther's buildings actually sit
Direct exposure dominates in Luther: 100% of its 63 buildings, versus 0% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Luther compares
There's little gap between Luther's 91st national percentile and its 78th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Luther ranks 2,993 for wildfire risk (1 is highest) and 30,550 by building count (1 is largest). Within Montana alone, it ranks 104 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Luther
Luther's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Luther
Because Direct exposure dominates in Luther (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Luther's figures come from
Every one of the two percentiles behind Luther's 2,993-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Luther's dominant direct exposure actually means, with real examples from across the dataset.