Maxville, MT
How exposed is Maxville to wildfire?
USFS's Wildfire Risk to Communities model puts Maxville at the 95th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 145 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Maxville at the 93rd national percentile — 3 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Maxville's buildings actually sit
100% of Maxville's 145 buildings sit in USFS's Direct exposure zone, roughly 145 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 Maxville ranks
Maxville scores 95th nationally and 90th 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, Maxville ranks 1,445 for wildfire risk (1 is highest) and 27,086 by building count (1 is largest). Within Montana alone, it ranks 48 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Maxville and the insurance market
Maxville's very high rating (95th 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
Maxville'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
Every one of the two percentiles behind Maxville's 1,445-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Maxville, see the exposure-zones guide.