Warm Spring Creek, MT
How exposed is Warm Spring Creek to wildfire?
Warm Spring Creek's 36 buildings earn a 83rd-percentile wildfire-risk score nationally under USFS's model — in USFS's highest wildfire-risk band nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Warm Spring Creek's burn probability — fire likelihood with no building count factored in — sits at the 79th percentile nationally.
Where Warm Spring Creek's buildings actually sit
100% of Warm Spring Creek's 36 buildings sit in USFS's Direct exposure zone, roughly 36 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Warm Spring Creek compares
Warm Spring Creek ranks lower within Montana (59th percentile statewide) than its 83rd national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Warm Spring Creek ranks 5,236 for wildfire risk (1 is highest) and 31,257 by building count (1 is largest). Within Montana alone, it ranks 196 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Warm Spring Creek and the insurance market
Warm Spring Creek's very high rating (83rd 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 Warm Spring Creek
Because Direct exposure dominates in Warm Spring Creek (100%), 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 Warm Spring Creek's 5,236-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Warm Spring Creek, see the exposure-zones guide.