Campbell, MO
Campbell wildfire risk explained
USFS scores Campbell at the 24th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 1,069 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Campbell at the 25th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Campbell's building exposure, zone by zone
1,069 buildings are counted in Campbell, and 60.8% of them are Indirect exposure — ember-driven risk rather than the 32.6% in Direct exposure or the 6.6% rated Minimal.
How Campbell compares
Inside Missouri, Campbell sits at just the 8th percentile even though it scores 24th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Campbell ranks 23,923 for wildfire risk (1 is highest) and 11,465 by building count (1 is largest). Within Missouri alone, it ranks 980 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
Campbell's moderate wildfire rating (24th percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Campbell's 60.8% 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 Campbell's 23,923-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Campbell, see the exposure-zones guide.