Montrose, MS
How exposed is Montrose to wildfire?
Montrose's 154 buildings earn a 70th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Montrose's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Montrose's building exposure, zone by zone
154 buildings are counted in Montrose, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Montrose compares
Montrose scores 70th nationally and 55th within Mississippi — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Montrose ranks 9,610 for wildfire risk (1 is highest) and 26,706 by building count (1 is largest). Within Mississippi alone, it ranks 188 of 420 places by risk. See the full county-by-county picture for Mississippi on its state page.
What this risk score means for insurance
Montrose's 70th-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
Because Direct exposure dominates in Montrose (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Montrose's 70th-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 Montrose, see the exposure-zones guide.