North Harlem Colony, MT
North Harlem Colony, MT's wildfire risk, in USFS's own numbers
North Harlem Colony's 27 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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts North Harlem Colony at the 67th percentile, close to its 70th-percentile risk score.
Where North Harlem Colony's buildings actually sit
USFS classifies 88.9% of North Harlem Colony's buildings as Direct exposure, higher than its 11.1% Indirect share and far above its 0% Minimal share — a profile where 24 structures sit close enough to vegetation that lot clearing matters most.
North Harlem Colony against the rest of the country
North Harlem Colony's 70th national percentile looks worse in isolation than its 38th ranking inside Montana does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, North Harlem Colony ranks 9,550 for wildfire risk (1 is highest) and 31,393 by building count (1 is largest). Within Montana alone, it ranks 293 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
North Harlem Colony'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.
Hardening a home in North Harlem Colony
Because Direct exposure dominates in North Harlem Colony (88.9%), 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
Every one of the two percentiles behind North Harlem Colony's 9,550-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond North Harlem Colony, see the exposure-zones guide.