Trout Creek, MT
Trout Creek wildfire risk explained
Trout Creek sits at the 85th percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 327 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Trout Creek at the 83rd percentile, close to its 85th-percentile risk score.
Where Trout Creek's buildings actually sit
327 buildings are counted in Trout Creek, and 69.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 1.2% rated Minimal.
How Trout Creek compares
Trout Creek ranks lower within Montana (64th percentile statewide) than its 85th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Trout Creek ranks 4,603 for wildfire risk (1 is highest) and 20,898 by building count (1 is largest). Within Montana alone, it ranks 174 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Trout Creek and the insurance market
At the 85th percentile nationally, Trout Creek 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.
Lowering exposure, not just insuring around it
With 69.4% of Trout Creek 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
Trout Creek's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Trout Creek, see the exposure-zones guide.