Toston, MT
Toston, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Toston at the 69th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 158 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Toston's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 65.8% of Toston's buildings as Direct exposure, higher than its 34.2% Indirect share and far above its 0% Minimal share — a profile where 104 structures sit close enough to vegetation that lot clearing matters most.
How Toston compares
Toston's 69th national percentile looks worse in isolation than its 37th ranking inside Montana does — this place is on the milder end for its own state, by 32 points. Among the 31,521 US communities USFS scores, Toston ranks 9,704 for wildfire risk (1 is highest) and 26,537 by building count (1 is largest). Within Montana alone, it ranks 298 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
What this risk score means for insurance
At the 69th percentile nationally, Toston carries the 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.
Lowering exposure, not just insuring around it
With 65.8% of Toston 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.
Where Toston's figures come from
Every one of the two percentiles behind Toston's 9,704-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Toston's dominant direct exposure actually means, with real examples from across the dataset.