Milford Colony, MT
How exposed is Milford Colony to wildfire?
Milford Colony sits at the 64th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 61 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Milford Colony at the 65th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Milford Colony's building exposure, zone by zone
USFS puts 52.5% of Milford Colony's 61 buildings in the Indirect exposure zone, versus 47.5% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Milford Colony ranks
Milford Colony ranks lower within Montana (31st percentile statewide) than its 64th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Milford Colony ranks 11,316 for wildfire risk (1 is highest) and 30,630 by building count (1 is largest). Within Montana alone, it ranks 328 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Milford Colony and the insurance market
Milford Colony's 64th-percentile, 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
Milford Colony's 52.5% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 61 counted buildings into the percentiles shown above for Milford Colony. For more on what indirect exposure implies beyond Milford Colony, see the exposure-zones guide.