Billings, MO
Billings wildfire risk explained
USFS scores Billings at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 707 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Billings at the 70th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
707 buildings are counted in Billings, and 78.8% of them are Indirect exposure — ember-driven risk rather than the 21.2% in Direct exposure or the 0% rated Minimal.
Where Billings ranks
Billings scores 69th nationally and 80th 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, Billings ranks 9,742 for wildfire risk (1 is highest) and 14,584 by building count (1 is largest). Within Missouri alone, it ranks 211 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 69th percentile nationally, Billings carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Billings's 78.8% 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.
More on how this number was built
Every one of the two percentiles behind Billings's 9,742-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Billings, see the exposure-zones guide.