Turner, MT
Turner, MT's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Turner lands at the 43rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 121 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Turner at the 41st percentile, close to its 43rd-percentile risk score.
What "at risk" means for the buildings here
USFS puts 65.3% of Turner's 121 buildings in the Indirect exposure zone, versus 34.7% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Turner against the rest of the country
Turner's 43rd national percentile looks worse in isolation than its 8th ranking inside Montana does — this place is on the milder end for its own state, by 35 points. Among the 31,521 US communities USFS scores, Turner ranks 18,061 for wildfire risk (1 is highest) and 28,115 by building count (1 is largest). Within Montana alone, it ranks 436 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
Turner's elevated rating (43rd 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
Turner's 65.3% 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
The methodology guide shows exactly how USFS turned 121 counted buildings into the percentiles shown above for Turner. For more on what indirect exposure implies beyond Turner, see the exposure-zones guide.