51% of Montana structures are vulnerable to wildfires, with climate change and population growth exacerbating risk; no state insurance pool exists for wildfire-prone areas.

Montana ranks second in the U.S. for properties at risk of wildfires, with over 51% of structures vulnerable, according to a LendingTree study. Climate change and population growth are escalating this risk, leading to higher homeowners insurance costs statewide. Unlike Wyoming, which has 54% at-risk properties, Montana lacks a state insurance pool for wildfire-prone areas, limiting local governments' ability to implement stricter zoning laws to mitigate risks.

September 26, 2024
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