Concord, MO
Concord, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Concord at the 40th national percentile for risk to structures, close to the middle of USFS's national wildfire-risk range — a score built from 7,314 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Concord's burn probability — fire likelihood with no building count factored in — sits at the 43rd percentile nationally.
What "at risk" means for the buildings here
USFS classifies 97.6% of Concord's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 2.4% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one. At 7,314 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Concord compares
Concord ranks lower within Missouri (15th percentile statewide) than its 40th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Concord ranks 18,971 for wildfire risk (1 is highest) and 2,341 by building count (1 is largest). Within Missouri alone, it ranks 906 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
Concord's moderate wildfire rating (40th 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
With 97.6% of buildings rated Minimal exposure, Concord gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Concord's figures come from
The methodology guide shows exactly how USFS turned 7,314 counted buildings into the percentiles shown above for Concord. The exposure-zones guide covers what Concord's dominant minimal exposure actually means, with real examples from across the dataset.