How wildfire reaches a roof
During a wildfire, wind carries burning embers far ahead of the flames. A roof is a large, high surface where embers land and collect, especially in valleys, against dormers, and in gutters full of needles. The Insurance Institute for Business & Home Safety (IBHS) notes that roofs are prone to ember accumulation and ignition if the roof covering is not fire resistant.
What a "Class A" roof means
Roof coverings are fire-tested and rated Class A (most resistant), B, or C. IBHS says a properly maintained Class A roof is the only option that reaches its best risk category for roofs. Many products can reach Class A, including some asphalt shingles; metal roofing systems can achieve Class A ratings when installed over approved underlayment. Wood shake roofs that aren't fire-rated are among the highest-priority roofs to replace in wildfire country.
Why we recommend standing seam metal on wooded lots
- Noncombustible surface. IBHS notes that metal provides a continuous noncombustible surface, so if debris on it ignites, the roof covering doesn't add to the fire.
- Hidden fasteners and tight seams. Fewer openings on the roof face.
- Sheds needles and snow. Smooth panels hold less debris than textured roofing.
- Long service life when the details are installed right.
Standing seam costs more up front than shingles. Class A shingles are a solid choice too, and we install both.
The roof is a system: edges, vents, and gutters
A fire-resistant roof covering is only part of it. IBHS research points to the weak spots around it:
- Vents: noncombustible vents with fine metal mesh (IBHS cites 1/8-inch or finer) help keep embers out of the attic.
- Gutters: keep them clear of needles and leaves; noncombustible gutter covers help.
- Roof edges: close the gaps between the roofing and the deck at eaves and ridges, and add metal drip edge.
- The first 5 feet around the house: keep it free of anything that burns.
Montana's 2025 insurance law: ask your agent
In 2025 Montana passed House Bill 136, now section 33-24-110 of the Montana Code. It allows insurers to offer a benefit or premium reduction to homeowners for steps that reduce fire, wind, and hail risk. The law specifically lists noncombustible roofing as a fire-prevention measure, and impact-resistant shingles for wind and hail. The Montana Commissioner of Securities and Insurance encourages homeowners to ask about discounts for upgrades.
The law lets insurers offer a discount, but it doesn't require one, and each company decides for itself. Before you choose a roof, call your insurance agent and ask whether a noncombustible or Class A roof would change your policy or premium. We can't promise any savings, but we'll give you the documentation your agent asks for.
How Revive helps
During a free inspection we look at the roof covering, edges, vents, and gutters with wildfire in mind, then walk you through standing seam, Class A shingles, and the details that matter for your lot. While we're in the attic we also check insulation and ventilation, since ember-resistant vents need to keep the attic properly ventilated.
Want a second set of eyes on your roof and attic?
Your first roof inspection is free, with no obligation. We look at the roof, the attic where we can reach it, insulation and ventilation, and send you photos with a plain answer. Call or text 406-210-3168.
Sources
- IBHS: Wildland Fire Embers and Flames, Home Mitigations That Matter
- IBHS: Suburban Wildfire Adaptation Roadmaps
- Montana Code 33-24-110: Risk preventative measures for homeowners, premium reduction
- Montana Commissioner of Securities and Insurance: Protecting your home amid rising insurance costs and wildfire risks
Sources are public pages we checked on November 13, 2026. This guide is general information, not engineering, insurance, or legal advice.