Montgomery City, MO
Montgomery City wildfire risk explained
Montgomery City sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 1,700 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Montgomery City's burn probability — fire likelihood with no building count factored in — sits at the 47th percentile nationally.
What "at risk" means for the buildings here
84.8% of Montgomery City's 1,700 buildings sit in USFS's Minimal exposure zone, with only 15.1% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Montgomery City compares
Inside Missouri, Montgomery City sits at just the 25th percentile even though it scores 45th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Montgomery City ranks 17,236 for wildfire risk (1 is highest) and 8,419 by building count (1 is largest). Within Missouri alone, it ranks 801 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Montgomery City and the insurance market
At the 45th national percentile, Montgomery City rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Even with 84.8% of Montgomery City outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Montgomery City's 45th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Montgomery City, see the exposure-zones guide.