Spring Creek Colony, MT
How exposed is Spring Creek Colony to wildfire?
Spring Creek Colony's 35 buildings earn a 48th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Spring Creek Colony's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
Spring Creek Colony's building exposure, zone by zone
USFS classifies 100% of Spring Creek Colony's buildings as Direct exposure, higher than its 0% Indirect share and far above its 0% Minimal share — a profile where 35 structures sit close enough to vegetation that lot clearing matters most.
How Spring Creek Colony compares
Spring Creek Colony's 48th national percentile looks worse in isolation than its 11th ranking inside Montana does — this place is on the milder end for its own state, by 37 points. Among the 31,521 US communities USFS scores, Spring Creek Colony ranks 16,391 for wildfire risk (1 is highest) and 31,276 by building count (1 is largest). Within Montana alone, it ranks 422 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Spring Creek Colony and the insurance market
Spring Creek Colony's elevated rating (48th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Spring Creek Colony's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Spring Creek Colony's 48th-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 Spring Creek Colony, see the exposure-zones guide.