Arcola, MO
How exposed is Arcola to wildfire?
Arcola sits at the 71st 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 94 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Arcola's burn probability — fire likelihood with no building count factored in — sits at the 72nd percentile nationally.
Where Arcola's buildings actually sit
94 buildings are counted in Arcola, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Arcola against the rest of the country
Arcola's risk sits at a similar level relative to Missouri (84th percentile statewide) as it does nationally (71st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Arcola ranks 9,171 for wildfire risk (1 is highest) and 29,319 by building count (1 is largest). Within Missouri alone, it ranks 175 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
Arcola's high rating (71st 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.
Hardening a home in Arcola
With 100% of Arcola in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Arcola's figures come from
The methodology guide shows exactly how USFS turned 94 counted buildings into the percentiles shown above for Arcola. The exposure-zones guide covers what Arcola's dominant direct exposure actually means, with real examples from across the dataset.