Montague, TX
How exposed is Montague to wildfire?
Montague sits at the 94th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 265 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Montague at the 94th percentile, close to its 94th-percentile risk score.
Where Montague's buildings actually sit
Most of Montague's buildings (58.9%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Where Montague ranks
There's little gap between Montague's 94th national percentile and its 93rd percentile inside Texas, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Montague ranks 1,900 for wildfire risk (1 is highest) and 22,686 by building count (1 is largest). Within Texas alone, it ranks 120 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Montague and the insurance market
Montague's very high rating (94th 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.
Lowering exposure, not just insuring around it
Because 58.9% of Montague's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Montague's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Montague, see the exposure-zones guide.