Wolf Creek, MT
Wolf Creek, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Wolf Creek at the 92nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 80 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wolf Creek at the 91st national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Wolf Creek (51.3% of 80 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 48.8% sit in the Direct zone.
Where Wolf Creek ranks
Wolf Creek scores 92nd nationally and 83rd within Montana — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Wolf Creek ranks 2,400 for wildfire risk (1 is highest) and 29,886 by building count (1 is largest). Within Montana alone, it ranks 85 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Wolf Creek and the insurance market
At the 92nd percentile nationally, Wolf Creek carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Because 51.3% of Wolf Creek'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.
More on how this number was built
Every one of the two percentiles behind Wolf Creek's 2,400-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Wolf Creek, see the exposure-zones guide.