Barnard, MO
Barnard wildfire risk explained
Barnard's 163 buildings earn a 64th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Barnard at the 65th percentile, close to its 64th-percentile risk score.
Where Barnard's buildings actually sit
Most of Barnard's buildings (75.5% of 163) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
How Barnard compares
Barnard scores 64th nationally and 66th 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, Barnard ranks 11,406 for wildfire risk (1 is highest) and 26,287 by building count (1 is largest). Within Missouri alone, it ranks 364 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Barnard and the insurance market
Barnard's 64th-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 Barnard
With 75.5% of buildings rated Minimal exposure, Barnard gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Barnard's figures come from
Barnard's 64th-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 Barnard's dominant minimal exposure actually means, with real examples from across the dataset.