Wyola, MT
How exposed is Wyola to wildfire?
Out of every US place USFS scores, Wyola lands at the 92nd percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 127 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Wyola at the 94th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Wyola's building exposure, zone by zone
Of Wyola's 127 counted buildings, 81.9% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Wyola against the rest of the country
Wyola 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, Wyola ranks 2,401 for wildfire risk (1 is highest) and 27,858 by building count (1 is largest). Within Montana alone, it ranks 86 of 475 places by risk. See the full county-by-county picture for Montana on its state page.
Wyola and the insurance market
Wyola's 92nd-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.
Hardening a home in Wyola
Wyola's 81.9% 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 Wyola's figures come from
Wyola's 92nd-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 Wyola's dominant direct exposure actually means, with real examples from across the dataset.