Centertown, MO
Centertown wildfire risk explained
Centertown sits at the 72nd 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 228 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Centertown at the 74th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Centertown's building exposure, zone by zone
Direct exposure dominates in Centertown: 71.5% of its 228 buildings, versus 28.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Centertown ranks
Centertown scores 72nd nationally and 86th 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, Centertown ranks 8,696 for wildfire risk (1 is highest) and 23,861 by building count (1 is largest). Within Missouri alone, it ranks 144 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
Centertown's high rating (72nd 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 Centertown
With 71.5% of Centertown in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Centertown's 8,696-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Centertown, see the exposure-zones guide.