Charlack, MO
Charlack, MO's wildfire risk, in USFS's own numbers
Charlack sits at the 44th 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 545 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Charlack at the 48th 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
Only 0.6% of Charlack's 545 buildings carry Direct exposure and 0% carry Indirect; the remaining 99.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Charlack compares
Inside Missouri, Charlack sits at just the 22nd percentile even though it scores 44th 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, Charlack ranks 17,648 for wildfire risk (1 is highest) and 16,638 by building count (1 is largest). Within Missouri alone, it ranks 834 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
Charlack's elevated wildfire rating (44th 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.
Hardening a home in Charlack
Charlack's 99.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Charlack's figures come from
Charlack's 44th-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 Charlack's dominant minimal exposure actually means, with real examples from across the dataset.