Rader Creek, MT
How exposed is Rader Creek to wildfire?
USFS's Wildfire Risk to Communities model puts Rader Creek at the 91st national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 419 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rader Creek at the 87th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
419 buildings are counted in Rader Creek, and 100% 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.
Where Rader Creek ranks
Rader Creek scores 91st nationally and 78th within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Rader Creek ranks 2,994 for wildfire risk (1 is highest) and 18,839 by building count (1 is largest). Within Montana alone, it ranks 105 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Rader Creek and the insurance market
At the 91st percentile nationally, Rader Creek carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Rader Creek's 100% 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
The methodology guide shows exactly how USFS turned 419 counted buildings into the percentiles shown above for Rader Creek. For more on what direct exposure implies beyond Rader Creek, see the exposure-zones guide.