Maverick Mountain, MT
Maverick Mountain, MT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Maverick Mountain lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 176 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Maverick Mountain's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Maverick Mountain's building exposure, zone by zone
100% of Maverick Mountain's 176 buildings sit in USFS's Direct exposure zone, roughly 176 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Maverick Mountain ranks
Inside Montana, Maverick Mountain sits at just the 67th percentile even though it scores 87th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Maverick Mountain ranks 4,195 for wildfire risk (1 is highest) and 25,790 by building count (1 is largest). Within Montana alone, it ranks 159 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
Maverick Mountain's very high rating (87th 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.
What would actually reduce this score
Because Direct exposure dominates in Maverick Mountain (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Maverick Mountain's figures come from
The methodology guide shows exactly how USFS turned 176 counted buildings into the percentiles shown above for Maverick Mountain. The exposure-zones guide covers what Maverick Mountain's dominant direct exposure actually means, with real examples from across the dataset.