Pony, MT
Pony, MT's wildfire risk, in USFS's own numbers
USFS scores Pony at the 81st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 201 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pony at the 79th percentile, close to its 81st-percentile risk score.
Pony's building exposure, zone by zone
201 buildings are counted in Pony, and 87.1% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Pony against the rest of the country
Pony's 81st national percentile looks worse in isolation than its 54th ranking inside Montana does — this place is on the milder end for its own state, by 27 points. Among the 31,521 US communities USFS scores, Pony ranks 6,087 for wildfire risk (1 is highest) and 24,805 by building count (1 is largest). Within Montana alone, it ranks 219 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
Pony's very high rating (81st 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Pony (87.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Pony's figures come from
The methodology guide shows exactly how USFS turned 201 counted buildings into the percentiles shown above for Pony. The exposure-zones guide covers what Pony's dominant direct exposure actually means, with real examples from across the dataset.