Roberts, MT
Roberts wildfire risk explained
Out of every US place USFS scores, Roberts lands at the 87th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 341 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roberts at the 88th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Roberts's buildings actually sit
Direct exposure dominates in Roberts: 52.5% of its 341 buildings, versus 47.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Roberts against the rest of the country
Roberts's 87th national percentile looks worse in isolation than its 67th ranking inside Montana does — this place is on the milder end for its own state, by 20 points. Among the 31,521 US communities USFS scores, Roberts ranks 4,224 for wildfire risk (1 is highest) and 20,555 by building count (1 is largest). Within Montana alone, it ranks 161 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Roberts and the insurance market
Roberts's very high rating (87th 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
With 52.5% of Roberts 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.
More on how this number was built
Roberts's 87th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Roberts, see the exposure-zones guide.