Albany, MO
How exposed is Albany to wildfire?
Albany's 1,243 buildings earn a 64th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Albany's burn probability — fire likelihood with no building count factored in — sits at the 65th percentile nationally.
Where Albany's buildings actually sit
1,243 buildings are counted in Albany, and 65.8% of them are Indirect exposure — ember-driven risk rather than the 24.1% in Direct exposure or the 10.1% rated Minimal.
How Albany compares
There's little gap between Albany's 64th national percentile and its 65th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Albany ranks 11,506 for wildfire risk (1 is highest) and 10,380 by building count (1 is largest). Within Missouri alone, it ranks 372 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Albany
Albany's 64th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
With ember exposure the dominant pattern in Albany (65.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Albany's figures come from
The methodology guide shows exactly how USFS turned 1,243 counted buildings into the percentiles shown above for Albany. The exposure-zones guide covers what Albany's dominant indirect exposure actually means, with real examples from across the dataset.