Mammoth, MT
How exposed is Mammoth to wildfire?
USFS scores Mammoth at the 94th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 61 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mammoth at the 90th percentile, close to its 94th-percentile risk score.
Where Mammoth's buildings actually sit
USFS classifies 100% of Mammoth's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 61 structures sit close enough to vegetation that lot clearing matters most.
How Mammoth compares
Mammoth scores 94th nationally and 85th within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Mammoth ranks 1,953 for wildfire risk (1 is highest) and 30,629 by building count (1 is largest). Within Montana alone, it ranks 71 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Mammoth
Mammoth's 94th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Mammoth's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Mammoth's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Mammoth, see the exposure-zones guide.