In a recent study of properties at risk for wildfire, Montana has the second highest percentage of at-risk properties with more than half of the structures in the state possibly vulnerable to wildfire.

The study was published by researchers at LendingTree, a national company that specializes in home mortgages and also studies issues related to housing. In the report, it shows that as the climate gets hotter and states like Montana become more populated, more properties are at risk. That additional risk is driving up the cost of homeowners insurance for many residents, even those whose property isn’t normally thought of as at-risk.