Monticello, MO
Monticello wildfire risk explained
Monticello's 106 buildings earn a 56th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Monticello's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Monticello's building exposure, zone by zone
62.3% of Monticello's 106 buildings sit in USFS's Direct exposure zone, roughly 66 structures close enough to burnable vegetation for flame contact, not just embers — 37.7% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Monticello ranks
Monticello's risk sits at a similar level relative to Missouri (45th percentile statewide) as it does nationally (56th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Monticello ranks 13,773 for wildfire risk (1 is highest) and 28,776 by building count (1 is largest). Within Missouri alone, it ranks 581 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Monticello
Monticello's elevated wildfire rating (56th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Hardening a home in Monticello
Monticello's 62.3% 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
Monticello's 56th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Monticello, see the exposure-zones guide.