Roscoe, MT
Roscoe wildfire risk explained
Roscoe sits at the 89th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 40 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roscoe at the 91st national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Roscoe's buildings actually sit
40 buildings are counted in Roscoe, 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.
Roscoe against the rest of the country
There's little gap between Roscoe's 89th national percentile and its 75th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Roscoe ranks 3,435 for wildfire risk (1 is highest) and 31,174 by building count (1 is largest). Within Montana alone, it ranks 121 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Roscoe and the insurance market
At the 89th percentile nationally, Roscoe 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.
Hardening a home in Roscoe
Because Direct exposure dominates in Roscoe (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
Roscoe's 89th-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 Roscoe, see the exposure-zones guide.