Tracy, MO
Tracy, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Tracy lands at the 66th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 186 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Tracy's burn probability — fire likelihood with no building count factored in — sits at the 68th percentile nationally.
Where Tracy's buildings actually sit
73.1% of Tracy's 186 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 26.9% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Tracy ranks
There's little gap between Tracy's 66th national percentile and its 72nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Tracy ranks 10,718 for wildfire risk (1 is highest) and 25,395 by building count (1 is largest). Within Missouri alone, it ranks 298 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
Tracy's 66th-percentile, 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.
Lowering exposure, not just insuring around it
Tracy's 73.1% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Tracy's 66th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Tracy, see the exposure-zones guide.