Montier, MO
Montier, MO's wildfire risk, in USFS's own numbers
Montier sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 74 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Montier's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
Where Montier's buildings actually sit
98.7% of Montier's 74 buildings sit in USFS's Direct exposure zone, roughly 73 structures close enough to burnable vegetation for flame contact, not just embers — 1.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Montier against the rest of the country
Compare Montier's two percentiles: 98th within Missouri, only 81st nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Montier ranks 6,148 for wildfire risk (1 is highest) and 30,137 by building count (1 is largest). Within Missouri alone, it ranks 23 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
At the 81st percentile nationally, Montier carries the very high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Hardening a home in Montier
Because Direct exposure dominates in Montier (98.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Montier's figures come from
Montier's 81st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Montier's dominant direct exposure actually means, with real examples from across the dataset.