Wolf Point, MT
How exposed is Wolf Point to wildfire?
Wolf Point's 1,274 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, Wolf Point's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Wolf Point's building exposure, zone by zone
Most of Wolf Point's buildings (99.5%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Wolf Point against the rest of the country
Inside Montana, Wolf Point sits at just the 58th percentile even though it scores 83rd 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, Wolf Point ranks 5,262 for wildfire risk (1 is highest) and 10,231 by building count (1 is largest). Within Montana alone, it ranks 198 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Wolf Point
Wolf Point's 83rd-percentile, very 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
Wolf Point's 99.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 1,274 counted buildings into the percentiles shown above for Wolf Point. For more on what indirect exposure implies beyond Wolf Point, see the exposure-zones guide.