Commerce, MO
Commerce wildfire risk explained
Commerce's 98 buildings earn a 37th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Commerce at the 39th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Commerce's buildings actually sit
Indirect exposure is dominant in Commerce (55.1% of 98 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 44.9% sit in the Direct zone.
How Commerce compares
Commerce ranks lower within Missouri (12th percentile statewide) than its 37th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Commerce ranks 19,731 for wildfire risk (1 is highest) and 29,129 by building count (1 is largest). Within Missouri alone, it ranks 935 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 37th national percentile, Commerce rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With ember exposure the dominant pattern in Commerce (55.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
The methodology guide shows exactly how USFS turned 98 counted buildings into the percentiles shown above for Commerce. For more on what indirect exposure implies beyond Commerce, see the exposure-zones guide.