Anderson, MO
Anderson, MO's wildfire risk, in USFS's own numbers
Anderson sits at the 80th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 959 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Anderson's burn probability — fire likelihood with no building count factored in — sits at the 82nd percentile nationally.
Where Anderson's buildings actually sit
51.3% of Anderson's 959 buildings sit in USFS's Direct exposure zone, roughly 492 structures close enough to burnable vegetation for flame contact, not just embers — 48.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Anderson compares
Anderson's 97th-percentile standing inside Missouri outpaces its 80th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Anderson ranks 6,335 for wildfire risk (1 is highest) and 12,231 by building count (1 is largest). Within Missouri alone, it ranks 31 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
Anderson's high rating (80th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Anderson (51.3%), 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
The methodology guide shows exactly how USFS turned 959 counted buildings into the percentiles shown above for Anderson. For more on what direct exposure implies beyond Anderson, see the exposure-zones guide.