Pine Creek, MT
Pine Creek wildfire risk explained
Pine Creek's 122 buildings earn a 88th-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pine Creek at the 88th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Pine Creek's building exposure, zone by zone
USFS classifies 100% of Pine Creek's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 122 structures sit close enough to vegetation that lot clearing matters most.
How Pine Creek compares
Inside Montana, Pine Creek sits at just the 70th percentile even though it scores 88th 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, Pine Creek ranks 3,877 for wildfire risk (1 is highest) and 28,072 by building count (1 is largest). Within Montana alone, it ranks 141 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Pine Creek
Pine Creek's very high rating (88th 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 Pine Creek
With 100% of Pine Creek 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 Pine Creek's figures come from
The methodology guide shows exactly how USFS turned 122 counted buildings into the percentiles shown above for Pine Creek. The exposure-zones guide covers what Pine Creek's dominant direct exposure actually means, with real examples from across the dataset.