Roy, MT
Roy, MT's wildfire risk, in USFS's own numbers
USFS scores Roy at the 90th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 158 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Roy at the 90th national percentile — 0 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 50.6% of Roy's 158 buildings in the Indirect exposure zone, versus 49.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Roy ranks
Roy scores 90th nationally and 77th within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Roy ranks 3,123 for wildfire risk (1 is highest) and 26,536 by building count (1 is largest). Within Montana alone, it ranks 111 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Roy
Roy's very high rating (90th 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.
What would actually reduce this score
Because 50.6% of Roy's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Roy's figures come from
The methodology guide shows exactly how USFS turned 158 counted buildings into the percentiles shown above for Roy. The exposure-zones guide covers what Roy's dominant indirect exposure actually means, with real examples from across the dataset.