Montreal, MO
Montreal, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Montreal lands at the 86th percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 107 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Montreal at the 89th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Montreal's buildings actually sit
107 buildings are counted in Montreal, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Montreal against the rest of the country
Montreal scores 86th nationally and 100th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Montreal ranks 4,442 for wildfire risk (1 is highest) and 28,738 by building count (1 is largest). Within Missouri alone, it ranks 2 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Montreal and the insurance market
Montreal's 86th-percentile, very 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 Montreal
Because Direct exposure dominates in Montreal (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Montreal's 86th-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 Montreal, see the exposure-zones guide.