Midway Colony, MT
How exposed is Midway Colony to wildfire?
USFS scores Midway Colony at the 31st national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 35 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Midway Colony's burn probability — fire likelihood with no building count factored in — sits at the 31st percentile nationally.
Midway Colony's building exposure, zone by zone
35 buildings are counted in Midway Colony, and 71.4% of them are Indirect exposure — ember-driven risk rather than the 28.6% in Direct exposure or the 0% rated Minimal.
Where Midway Colony ranks
Midway Colony ranks lower within Montana (6th percentile statewide) than its 31st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Midway Colony ranks 21,619 for wildfire risk (1 is highest) and 31,275 by building count (1 is largest). Within Montana alone, it ranks 448 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Midway Colony
Midway Colony's moderate wildfire rating (31st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Midway Colony's 71.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Midway Colony's figures come from
Midway Colony's 31st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Midway Colony's dominant indirect exposure actually means, with real examples from across the dataset.