Trego, MT
Trego wildfire risk explained
USFS scores Trego at the 97th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 715 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Trego at the 97th percentile, close to its 97th-percentile risk score.
Where Trego's buildings actually sit
715 buildings are counted in Trego, and 99.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0.6% rated Minimal.
Trego against the rest of the country
Trego's risk sits at a similar level relative to Montana (93rd percentile statewide) as it does nationally (97th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Trego ranks 1,040 for wildfire risk (1 is highest) and 14,515 by building count (1 is largest). Within Montana alone, it ranks 35 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Trego
Trego's very high rating (97th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
With 99.4% of Trego 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 715 counted buildings into the percentiles shown above for Trego. For more on what direct exposure implies beyond Trego, see the exposure-zones guide.