Ravalli, MT
Ravalli, MT's wildfire risk, in USFS's own numbers
Ravalli's 96 buildings earn a 83rd-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.)
Separately from the risk score above, Ravalli's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Ravalli's buildings actually sit
USFS classifies 100% of Ravalli's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 96 structures sit close enough to vegetation that lot clearing matters most.
Ravalli against the rest of the country
Ravalli's 83rd national percentile looks worse in isolation than its 57th ranking inside Montana does — this place is on the milder end for its own state, by 26 points. Among the 31,521 US communities USFS scores, Ravalli ranks 5,452 for wildfire risk (1 is highest) and 29,239 by building count (1 is largest). Within Montana alone, it ranks 206 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
Ravalli's very high rating (83rd 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 Ravalli
Because Direct exposure dominates in Ravalli (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ravalli's 5,452-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ravalli, see the exposure-zones guide.