Rosebud, MT
How exposed is Rosebud to wildfire?
USFS scores Rosebud at the 88th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 110 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Rosebud at the 87th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Rosebud's buildings actually sit
110 buildings are counted in Rosebud, and 55.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.7% rated Minimal.
Where Rosebud ranks
Rosebud's 88th national percentile looks worse in isolation than its 70th ranking inside Montana does — this place is on the milder end for its own state, by 18 points. Among the 31,521 US communities USFS scores, Rosebud ranks 3,937 for wildfire risk (1 is highest) and 28,628 by building count (1 is largest). Within Montana alone, it ranks 145 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
At the 88th percentile nationally, Rosebud 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 Rosebud
Because Direct exposure dominates in Rosebud (55.5%), 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 Rosebud's 3,937-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Rosebud, see the exposure-zones guide.