Chain of Rocks, MO
Chain of Rocks, MO's wildfire risk, in USFS's own numbers
Chain of Rocks sits at the 39th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 81 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Chain of Rocks at the 42nd national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Chain of Rocks's buildings actually sit
Of Chain of Rocks's 81 counted buildings, 87.7% carry Direct exposure and only 12.4% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Chain of Rocks against the rest of the country
Inside Missouri, Chain of Rocks sits at just the 14th percentile even though it scores 39th 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, Chain of Rocks ranks 19,224 for wildfire risk (1 is highest) and 29,850 by building count (1 is largest). Within Missouri alone, it ranks 915 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Chain of Rocks
Chain of Rocks's moderate wildfire rating (39th 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
Chain of Rocks's 87.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where Chain of Rocks's figures come from
Chain of Rocks's 39th-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 Chain of Rocks's dominant direct exposure actually means, with real examples from across the dataset.