Monument, OR
How exposed is Monument to wildfire?
Monument sits at the 95th 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 144 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Monument at the 96th national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Monument's buildings actually sit
Direct exposure dominates in Monument: 57.6% of its 144 buildings, versus 42.4% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Monument against the rest of the country
There's little gap between Monument's 95th national percentile and its 85th percentile inside Oregon, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Monument ranks 1,493 for wildfire risk (1 is highest) and 27,131 by building count (1 is largest). Within Oregon alone, it ranks 66 of 420 places by risk. See the full county-by-county picture for Oregon on its state page.
What this risk score means for insurance
Monument's 95th-percentile score lands in Oregon, the only two states requiring a wildfire disclosure at sale. Oregon's own hazard map feeds directly into that disclosure requirement. The disclosure-law guide covers what it requires.
Hardening a home in Monument
Because Direct exposure dominates in Monument (57.6%), 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
The methodology guide shows exactly how USFS turned 144 counted buildings into the percentiles shown above for Monument. For more on what direct exposure implies beyond Monument, see the exposure-zones guide.