Victor, MT
How exposed is Victor to wildfire?
Victor sits at the 94th 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 537 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Victor at the 95th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Victor's buildings actually sit
USFS puts 72.1% of Victor's 537 buildings in the Indirect exposure zone, versus 27.9% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Victor ranks
There's little gap between Victor's 94th national percentile and its 85th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Victor ranks 1,954 for wildfire risk (1 is highest) and 16,765 by building count (1 is largest). Within Montana alone, it ranks 72 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Victor
Victor's very high rating (94th 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.
Hardening a home in Victor
Because 72.1% of Victor's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Victor's figures come from
Victor's 94th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Victor's dominant indirect exposure actually means, with real examples from across the dataset.