Miller Colony, MT
Miller Colony, MT's wildfire risk, in USFS's own numbers
Miller Colony's 54 buildings earn a 51st-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Miller Colony's burn probability — fire likelihood with no building count factored in — sits at the 51st percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Miller Colony: 63% of its 54 buildings, versus 37% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Miller Colony against the rest of the country
Miller Colony ranks lower within Montana (14th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Miller Colony ranks 15,474 for wildfire risk (1 is highest) and 30,822 by building count (1 is largest). Within Montana alone, it ranks 408 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
Miller Colony's elevated wildfire rating (51st 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
With 63% of Miller Colony in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Miller Colony's 51st-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 Miller Colony, see the exposure-zones guide.