Montgomery, MN
Montgomery, MN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Montgomery lands at the 34th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 1,700 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Montgomery's burn probability — fire likelihood with no building count factored in — sits at the 30th percentile nationally.
What "at risk" means for the buildings here
Most of Montgomery's buildings (86.8% of 1,700) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Montgomery against the rest of the country
Montgomery's risk sits at a similar level relative to Minnesota (43rd percentile statewide) as it does nationally (34th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Montgomery ranks 20,797 for wildfire risk (1 is highest) and 8,418 by building count (1 is largest). Within Minnesota alone, it ranks 524 of 914 places by risk. See the full county-by-county picture for Minnesota on its state page.
What this risk score means for insurance
Montgomery's moderate wildfire rating (34th 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.
Hardening a home in Montgomery
Even with 86.8% of Montgomery outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,700 counted buildings into the percentiles shown above for Montgomery. For more on what minimal exposure implies beyond Montgomery, see the exposure-zones guide.