Woods Bay, MT
How exposed is Woods Bay to wildfire?
USFS's Wildfire Risk to Communities model puts Woods Bay at the 93rd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 654 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Woods Bay at the 91st percentile, close to its 93rd-percentile risk score.
Woods Bay's building exposure, zone by zone
654 buildings are counted in Woods Bay, and 66.7% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 6.1% rated Minimal.
How Woods Bay compares
There's little gap between Woods Bay's 93rd national percentile and its 84th percentile inside Montana, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Woods Bay ranks 2,176 for wildfire risk (1 is highest) and 15,153 by building count (1 is largest). Within Montana alone, it ranks 78 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Shopping for coverage in Woods Bay
Woods Bay's very high rating (93rd 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.
Lowering exposure, not just insuring around it
Woods Bay's 66.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Woods Bay's figures come from
Woods Bay's 93rd-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 Woods Bay's dominant direct exposure actually means, with real examples from across the dataset.