Bogard, MO
How exposed is Bogard to wildfire?
USFS's Wildfire Risk to Communities model puts Bogard at the 67th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 195 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bogard's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Where Bogard's buildings actually sit
52.3% of Bogard's 195 buildings sit in USFS's Direct exposure zone, roughly 102 structures close enough to burnable vegetation for flame contact, not just embers — 47.2% fall in the Indirect, ember-only zone and 0.5% are Minimal.
Where Bogard ranks
Bogard's risk sits at a similar level relative to Missouri (75th percentile statewide) as it does nationally (67th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Bogard ranks 10,429 for wildfire risk (1 is highest) and 25,033 by building count (1 is largest). Within Missouri alone, it ranks 272 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Bogard
Bogard's 67th-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.
Hardening a home in Bogard
Bogard's 52.3% 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
Every one of the two percentiles behind Bogard's 10,429-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Bogard, see the exposure-zones guide.