Montgomery, TX
Montgomery, TX's wildfire risk, in USFS's own numbers
Montgomery sits at the 75th 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 1,001 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Montgomery at the 76th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Of Montgomery's 1,001 counted buildings, 56.3% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Montgomery compares
Inside Texas, Montgomery sits at just the 45th percentile even though it scores 75th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Montgomery ranks 8,050 for wildfire risk (1 is highest) and 11,929 by building count (1 is largest). Within Texas alone, it ranks 988 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Montgomery and the insurance market
Montgomery's 75th-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
With 56.3% of Montgomery 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
Montgomery's 75th-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 Montgomery, see the exposure-zones guide.