Town and Country, MO
How exposed is Town and Country to wildfire?
USFS's Wildfire Risk to Communities model puts Town and Country at the 46th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 4,203 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Town and Country at the 49th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
71% of Town and Country's 4,203 buildings sit in USFS's Minimal exposure zone, with only 29% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Town and Country against the rest of the country
Town and Country ranks lower within Missouri (26th percentile statewide) than its 46th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Town and Country ranks 16,895 for wildfire risk (1 is highest) and 4,055 by building count (1 is largest). Within Missouri alone, it ranks 790 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Town and Country and the insurance market
Town and Country's elevated wildfire rating (46th 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 Town and Country
Even with 71% of Town and Country 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
Town and Country's 46th-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 Town and Country, see the exposure-zones guide.