Worden, MT
Worden, MT's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Worden at the 70th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 416 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Worden at the 69th national percentile — 1 points below its risk-to-structures score, a gap driven by how much is actually built there.
Worden's building exposure, zone by zone
Most of Worden's buildings (76% of 416) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Worden ranks
Worden's 70th national percentile looks worse in isolation than its 38th ranking inside Montana does — this place is on the milder end for its own state, by 31 points. Among the 31,521 US communities USFS scores, Worden ranks 9,586 for wildfire risk (1 is highest) and 18,909 by building count (1 is largest). Within Montana alone, it ranks 295 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
Worden's 70th-percentile, 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
With 76% of buildings rated Minimal exposure, Worden gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 416 counted buildings into the percentiles shown above for Worden. For more on what minimal exposure implies beyond Worden, see the exposure-zones guide.