Springwater Colony, MT
Springwater Colony, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Springwater Colony at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 62 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Springwater Colony's burn probability — fire likelihood with no building count factored in — sits at the 39th percentile nationally.
Where Springwater Colony's buildings actually sit
Indirect exposure is dominant in Springwater Colony (82.3% of 62 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 17.7% sit in the Direct zone.
Springwater Colony against the rest of the country
Springwater Colony's 41st national percentile looks worse in isolation than its 8th ranking inside Montana does — this place is on the milder end for its own state, by 33 points. Among the 31,521 US communities USFS scores, Springwater Colony ranks 18,526 for wildfire risk (1 is highest) and 30,585 by building count (1 is largest). Within Montana alone, it ranks 438 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Springwater Colony
Springwater Colony's elevated wildfire rating (41st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Springwater Colony (82.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Springwater Colony's figures come from
Springwater Colony's 41st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Springwater Colony's dominant indirect exposure actually means, with real examples from across the dataset.