Stevensville, MT
How exposed is Stevensville to wildfire?
USFS's Wildfire Risk to Communities model puts Stevensville at the 90th national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 1,023 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Stevensville's burn probability — fire likelihood with no building count factored in — sits at the 92nd percentile nationally.
What "at risk" means for the buildings here
USFS puts 79.6% of Stevensville's 1,023 buildings in the Indirect exposure zone, versus 20.4% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Stevensville ranks
Stevensville's risk sits at a similar level relative to Montana (77th percentile statewide) as it does nationally (90th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stevensville ranks 3,147 for wildfire risk (1 is highest) and 11,775 by building count (1 is largest). Within Montana alone, it ranks 112 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Stevensville
At the 90th percentile nationally, Stevensville 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 Stevensville
Stevensville's 79.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Stevensville's figures come from
Every one of the two percentiles behind Stevensville's 3,147-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stevensville's dominant indirect exposure actually means, with real examples from across the dataset.