Rocky Point, MT
Rocky Point, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Rocky Point at the 66th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 118 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Rocky Point at the 66th percentile, close to its 66th-percentile risk score.
Where Rocky Point's buildings actually sit
USFS classifies 83.1% of Rocky Point's buildings as Direct exposure, higher than its 12.7% Indirect share and far above its 4.2% Minimal share — a profile where 98 structures sit close enough to vegetation that lot clearing matters most.
Where Rocky Point ranks
Rocky Point ranks lower within Montana (33rd percentile statewide) than its 66th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Rocky Point ranks 10,775 for wildfire risk (1 is highest) and 28,257 by building count (1 is largest). Within Montana alone, it ranks 319 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
Rocky Point's 66th-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.
What would actually reduce this score
With 83.1% of Rocky Point 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.
Where Rocky Point's figures come from
Rocky Point's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Rocky Point's dominant direct exposure actually means, with real examples from across the dataset.