Arrow Rock, MO
Arrow Rock wildfire risk explained
Arrow Rock sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 97 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Arrow Rock at the 55th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Arrow Rock's building exposure, zone by zone
Indirect exposure is dominant in Arrow Rock (70.1% of 97 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 29.9% sit in the Direct zone.
Where Arrow Rock ranks
Arrow Rock scores 54th nationally and 40th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Arrow Rock ranks 14,653 for wildfire risk (1 is highest) and 29,180 by building count (1 is largest). Within Missouri alone, it ranks 640 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
At the 54th national percentile, Arrow Rock rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because 70.1% of Arrow Rock's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Arrow Rock's figures come from
Every one of the two percentiles behind Arrow Rock's 14,653-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Arrow Rock's dominant indirect exposure actually means, with real examples from across the dataset.