Troy, MO
How exposed is Troy to wildfire?
USFS scores Troy at the 50th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 4,799 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Troy at the 52nd percentile, close to its 50th-percentile risk score.
What "at risk" means for the buildings here
69.6% of Troy's 4,799 buildings sit in USFS's Minimal exposure zone, with only 14.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Troy against the rest of the country
Inside Missouri, Troy sits at just the 32nd percentile even though it scores 50th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Troy ranks 15,884 for wildfire risk (1 is highest) and 3,555 by building count (1 is largest). Within Missouri alone, it ranks 723 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
Troy's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
Troy's 69.6% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,799 counted buildings into the percentiles shown above for Troy. For more on what minimal exposure implies beyond Troy, see the exposure-zones guide.