Bent Tree Harbor, MO
How exposed is Bent Tree Harbor to wildfire?
Bent Tree Harbor's 325 buildings earn a 75th-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.)
Separately from the risk score above, Bent Tree Harbor's burn probability — fire likelihood with no building count factored in — sits at the 76th percentile nationally.
Bent Tree Harbor's building exposure, zone by zone
75.4% of Bent Tree Harbor's 325 buildings sit in USFS's Direct exposure zone, roughly 245 structures close enough to burnable vegetation for flame contact, not just embers — 24.6% fall in the Indirect, ember-only zone and 0% are Minimal.
How Bent Tree Harbor compares
Bent Tree Harbor's 90th-percentile standing inside Missouri outpaces its 75th 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, Bent Tree Harbor ranks 8,040 for wildfire risk (1 is highest) and 20,960 by building count (1 is largest). Within Missouri alone, it ranks 103 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
Bent Tree Harbor's 75th-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 Bent Tree Harbor
Because Direct exposure dominates in Bent Tree Harbor (75.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Bent Tree Harbor's figures come from
Bent Tree Harbor's 75th-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 Bent Tree Harbor's dominant direct exposure actually means, with real examples from across the dataset.