Agency, MO
Agency, MO's wildfire risk, in USFS's own numbers
USFS scores Agency at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 458 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Agency's burn probability — fire likelihood with no building count factored in — sits at the 63rd percentile nationally.
Agency's building exposure, zone by zone
458 buildings are counted in Agency, and 73.8% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Agency against the rest of the country
There's little gap between Agency's 62nd national percentile and its 61st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Agency ranks 11,916 for wildfire risk (1 is highest) and 18,102 by building count (1 is largest). Within Missouri alone, it ranks 409 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Agency and the insurance market
Agency's high rating (62nd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Agency
Agency's 73.8% 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 458 counted buildings into the percentiles shown above for Agency. For more on what direct exposure implies beyond Agency, see the exposure-zones guide.