Tracy, MT
How exposed is Tracy to wildfire?
Tracy sits at the 48th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 182 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Tracy at the 48th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Tracy's buildings actually sit
55.5% of Tracy's 182 buildings sit in USFS's Direct exposure zone, roughly 101 structures close enough to burnable vegetation for flame contact, not just embers — 44.5% fall in the Indirect, ember-only zone and 0% are Minimal.
Tracy against the rest of the country
Inside Montana, Tracy sits at just the 12th percentile even though it scores 48th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Tracy ranks 16,267 for wildfire risk (1 is highest) and 25,546 by building count (1 is largest). Within Montana alone, it ranks 420 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Tracy
Tracy'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.
What would actually reduce this score
Tracy's 55.5% 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.
Where Tracy's figures come from
The methodology guide shows exactly how USFS turned 182 counted buildings into the percentiles shown above for Tracy. The exposure-zones guide covers what Tracy's dominant direct exposure actually means, with real examples from across the dataset.