Bagnell, MO
How exposed is Bagnell to wildfire?
USFS's Wildfire Risk to Communities model puts Bagnell at the 75th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 76 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Bagnell at the 76th percentile, close to its 75th-percentile risk score.
Where Bagnell's buildings actually sit
Of Bagnell's 76 counted buildings, 67.1% carry Direct exposure and only 6.6% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Bagnell against the rest of the country
Within Missouri, Bagnell ranks higher (91st percentile) than it does nationally (75th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Bagnell ranks 8,039 for wildfire risk (1 is highest) and 30,050 by building count (1 is largest). Within Missouri alone, it ranks 102 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Bagnell and the insurance market
Bagnell's high rating (75th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Bagnell (67.1%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 76 counted buildings into the percentiles shown above for Bagnell. For more on what direct exposure implies beyond Bagnell, see the exposure-zones guide.