Annapolis, MO
How exposed is Annapolis to wildfire?
USFS scores Annapolis at the 68th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 222 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 Annapolis at the 70th percentile, close to its 68th-percentile risk score.
Annapolis's building exposure, zone by zone
Indirect exposure is dominant in Annapolis (63.1% of 222 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.9% sit in the Direct zone.
Where Annapolis ranks
Annapolis's risk sits at a similar level relative to Missouri (77th percentile statewide) as it does nationally (68th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Annapolis ranks 10,116 for wildfire risk (1 is highest) and 24,052 by building count (1 is largest). Within Missouri alone, it ranks 243 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
Annapolis's 68th-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.
Hardening a home in Annapolis
Annapolis's 63.1% 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.
Where Annapolis's figures come from
Annapolis's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Annapolis's dominant indirect exposure actually means, with real examples from across the dataset.