Windham, MT
How exposed is Windham to wildfire?
Windham sits at the 46th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 70 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Windham's burn probability — fire likelihood with no building count factored in — sits at the 45th percentile nationally.
Windham's building exposure, zone by zone
70 buildings are counted in Windham, and 94.3% 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 Windham ranks
Windham ranks lower within Montana (10th percentile statewide) than its 46th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Windham ranks 17,178 for wildfire risk (1 is highest) and 30,283 by building count (1 is largest). Within Montana alone, it ranks 430 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
Windham's elevated wildfire rating (46th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 94.3% of Windham in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Windham's figures come from
The methodology guide shows exactly how USFS turned 70 counted buildings into the percentiles shown above for Windham. The exposure-zones guide covers what Windham's dominant direct exposure actually means, with real examples from across the dataset.