La Monte, MO
La Monte, MO's wildfire risk, in USFS's own numbers
USFS scores La Monte at the 40th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 510 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, La Monte's burn probability — fire likelihood with no building count factored in — sits at the 40th percentile nationally.
La Monte's building exposure, zone by zone
La Monte rates 72.9% Minimal exposure against just 27.1% Direct and 0% Indirect — of 510 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
La Monte against the rest of the country
La Monte ranks lower within Missouri (14th percentile statewide) than its 40th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, La Monte ranks 19,032 for wildfire risk (1 is highest) and 17,170 by building count (1 is largest). Within Missouri alone, it ranks 911 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
La Monte's moderate rating (40th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 72.9% of buildings rated Minimal exposure, La Monte gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 510 counted buildings into the percentiles shown above for La Monte. For more on what minimal exposure implies beyond La Monte, see the exposure-zones guide.