Environmental
In Montana, wildfire risk is a material fact requiring disclosure because it:
AOnly affects properties in California
BCan affect insurability, structural survival, emergency access, and overall property value✓ Correct
CIs completely mitigated by Montana's firefighting resources
DOnly applies to commercial timberland
Explanation
Montana's significant wildfire risk (particularly in forested areas near Glacier, the Bitterroot, and many other regions) is a material fact. Wildfire risk affects property insurance availability and cost, may impact lender requirements, reduces life safety, and can significantly affect property value. It must be disclosed in the Seller's Disclosure.
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