Ulm, MT
Ulm, MT's wildfire risk, in USFS's own numbers
Ulm's 664 buildings earn a 61st-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Ulm at the 60th percentile, close to its 61st-percentile risk score.
Where Ulm's buildings actually sit
664 buildings are counted in Ulm, and 71.4% 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% rated Minimal.
Where Ulm ranks
Inside Montana, Ulm sits at just the 26th percentile even though it scores 61st 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, Ulm ranks 12,391 for wildfire risk (1 is highest) and 15,016 by building count (1 is largest). Within Montana alone, it ranks 352 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Ulm and the insurance market
Ulm's 61st-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Ulm (71.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Ulm's 12,391-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Ulm, see the exposure-zones guide.