Champ, MO
Champ wildfire risk explained
Champ sits at the 41st percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 56 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Champ at the 45th national percentile — 4 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Most of Champ's buildings (100% of 56) 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.
How Champ compares
Champ ranks lower within Missouri (16th percentile statewide) than its 41st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Champ ranks 18,466 for wildfire risk (1 is highest) and 30,769 by building count (1 is largest). Within Missouri alone, it ranks 891 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Champ and the insurance market
Champ's elevated rating (41st 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
With 100% of buildings rated Minimal exposure, Champ gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 56 counted buildings into the percentiles shown above for Champ. For more on what minimal exposure implies beyond Champ, see the exposure-zones guide.