Breckenridge, MO
Breckenridge, MO's wildfire risk, in USFS's own numbers
Breckenridge sits at the 63rd percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 320 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Breckenridge at the 64th percentile, close to its 63rd-percentile risk score.
Where Breckenridge's buildings actually sit
USFS classifies 65.3% of Breckenridge's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 34.7% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Breckenridge ranks
Breckenridge's risk sits at a similar level relative to Missouri (64th percentile statewide) as it does nationally (63rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Breckenridge ranks 11,631 for wildfire risk (1 is highest) and 21,093 by building count (1 is largest). Within Missouri alone, it ranks 385 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Breckenridge and the insurance market
Breckenridge's high rating (63rd percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Breckenridge
Even with 65.3% of Breckenridge outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Breckenridge's 63rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Breckenridge, see the exposure-zones guide.