Seeley Lake, MT
How exposed is Seeley Lake to wildfire?
USFS's Wildfire Risk to Communities model puts Seeley Lake at the 96th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 2,069 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Seeley Lake's burn probability — fire likelihood with no building count factored in — sits at the 97th percentile nationally.
Where Seeley Lake's buildings actually sit
87.5% of Seeley Lake's 2,069 buildings sit in USFS's Direct exposure zone, roughly 1,811 structures close enough to burnable vegetation for flame contact, not just embers — 12.1% fall in the Indirect, ember-only zone and 0.3% are Minimal.
Where Seeley Lake ranks
Seeley Lake's risk sits at a similar level relative to Montana (92nd percentile statewide) as it does nationally (96th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Seeley Lake ranks 1,170 for wildfire risk (1 is highest) and 7,288 by building count (1 is largest). Within Montana alone, it ranks 41 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Seeley Lake
Seeley Lake's very high rating (96th 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.
Hardening a home in Seeley Lake
With 87.5% of Seeley Lake 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
Seeley Lake's 96th-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 Seeley Lake, see the exposure-zones guide.