Pablo, MT
How exposed is Pablo to wildfire?
USFS scores Pablo at the 82nd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 1,209 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Pablo's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
Pablo's building exposure, zone by zone
Direct exposure dominates in Pablo: 46.1% of its 1,209 buildings, versus 15.9% Indirect and 38.1% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
How Pablo compares
Inside Montana, Pablo sits at just the 55th percentile even though it scores 82nd 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, Pablo ranks 5,836 for wildfire risk (1 is highest) and 10,596 by building count (1 is largest). Within Montana alone, it ranks 214 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Pablo and the insurance market
Pablo's very high rating (82nd 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.
Hardening a home in Pablo
Pablo's 46.1% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Every one of the two percentiles behind Pablo's 5,836-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Pablo, see the exposure-zones guide.