Orchard Homes, MT
Orchard Homes, MT's wildfire risk, in USFS's own numbers
Orchard Homes sits at the 77th 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 3,104 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Orchard Homes's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Orchard Homes's building exposure, zone by zone
44.8% of Orchard Homes's 3,104 buildings sit in USFS's Direct exposure zone, roughly 1,390 structures close enough to burnable vegetation for flame contact, not just embers — 35.3% fall in the Indirect, ember-only zone and 19.9% are Minimal.
Where Orchard Homes ranks
Orchard Homes's 77th national percentile looks worse in isolation than its 48th ranking inside Montana does — this place is on the milder end for its own state, by 29 points. Among the 31,521 US communities USFS scores, Orchard Homes ranks 7,184 for wildfire risk (1 is highest) and 5,285 by building count (1 is largest). Within Montana alone, it ranks 244 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Orchard Homes
Orchard Homes's high rating (77th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 44.8% of Orchard Homes 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.
Where Orchard Homes's figures come from
Orchard Homes's 77th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Orchard Homes's dominant direct exposure actually means, with real examples from across the dataset.