Black Jack, MO
Black Jack wildfire risk explained
USFS's Wildfire Risk to Communities model puts Black Jack at the 51st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 2,351 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Black Jack's burn probability — fire likelihood with no building count factored in — sits at the 54th percentile nationally.
Where Black Jack's buildings actually sit
Most of Black Jack's buildings (89.5% of 2,351) 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.
Where Black Jack ranks
Black Jack ranks lower within Missouri (34th percentile statewide) than its 51st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Black Jack ranks 15,471 for wildfire risk (1 is highest) and 6,607 by building count (1 is largest). Within Missouri alone, it ranks 702 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
Black Jack's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Black Jack's 89.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Black Jack's figures come from
Black Jack's 51st-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 Black Jack's dominant minimal exposure actually means, with real examples from across the dataset.