Reed Point, MT
Reed Point, MT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Reed Point lands at the 77th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 208 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Reed Point at the 74th national percentile — 4 points below its risk-to-structures score, a gap driven by how much is actually built there.
Reed Point's building exposure, zone by zone
Indirect exposure is dominant in Reed Point (78.4% of 208 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 21.6% sit in the Direct zone.
Where Reed Point ranks
Reed Point ranks lower within Montana (49th percentile statewide) than its 77th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Reed Point ranks 7,185 for wildfire risk (1 is highest) and 24,563 by building count (1 is largest). Within Montana alone, it ranks 245 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Reed Point
Reed Point's 77th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Reed Point (78.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Reed Point's figures come from
Every one of the two percentiles behind Reed Point's 7,185-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Reed Point's dominant indirect exposure actually means, with real examples from across the dataset.