Troy, MT
Troy, MT's wildfire risk, in USFS's own numbers
USFS scores Troy at the 91st national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 730 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 Troy at the 89th percentile, close to its 91st-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Troy (79.7% of 730 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 19.9% sit in the Direct zone.
Troy against the rest of the country
Troy's risk sits at a similar level relative to Montana (79th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Troy ranks 2,930 for wildfire risk (1 is highest) and 14,334 by building count (1 is largest). Within Montana alone, it ranks 102 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Troy
At the 91st percentile nationally, Troy 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.
What would actually reduce this score
Troy's 79.7% 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.
More on how this number was built
Every one of the two percentiles behind Troy's 2,930-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Troy, see the exposure-zones guide.