Clarksburg, MO
Clarksburg wildfire risk explained
USFS scores Clarksburg at the 65th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 219 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Clarksburg at the 67th percentile, close to its 65th-percentile risk score.
What "at risk" means for the buildings here
Direct exposure dominates in Clarksburg: 57.5% of its 219 buildings, versus 42.5% Indirect and 0% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Clarksburg against the rest of the country
Clarksburg's risk sits at a similar level relative to Missouri (70th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Clarksburg ranks 10,938 for wildfire risk (1 is highest) and 24,160 by building count (1 is largest). Within Missouri alone, it ranks 316 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
At the 65th percentile nationally, Clarksburg carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Clarksburg's 57.5% 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 Clarksburg's figures come from
The methodology guide shows exactly how USFS turned 219 counted buildings into the percentiles shown above for Clarksburg. The exposure-zones guide covers what Clarksburg's dominant direct exposure actually means, with real examples from across the dataset.