Bunker, MO
How exposed is Bunker to wildfire?
USFS scores Bunker at the 75th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 267 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bunker's burn probability — fire likelihood with no building count factored in — sits at the 77th percentile nationally.
Where Bunker's buildings actually sit
267 buildings are counted in Bunker, and 53.6% of them are Indirect exposure — ember-driven risk rather than the 46.4% in Direct exposure or the 0% rated Minimal.
Bunker against the rest of the country
Within Missouri, Bunker 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, Bunker ranks 7,850 for wildfire risk (1 is highest) and 22,605 by building count (1 is largest). Within Missouri alone, it ranks 94 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Bunker's 75th-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 Bunker
With ember exposure the dominant pattern in Bunker (53.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Bunker's figures come from
The methodology guide shows exactly how USFS turned 267 counted buildings into the percentiles shown above for Bunker. The exposure-zones guide covers what Bunker's dominant indirect exposure actually means, with real examples from across the dataset.