Concordia, MO
Concordia, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Concordia at the 40th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,287 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Concordia at the 41st national percentile — 1 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
Concordia rates 92.5% Minimal exposure against just 7.5% Direct and 0% Indirect — of 1,287 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Concordia compares
Concordia's 40th national percentile looks worse in isolation than its 15th ranking inside Missouri does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Concordia ranks 18,880 for wildfire risk (1 is highest) and 10,148 by building count (1 is largest). Within Missouri alone, it ranks 904 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
Concordia's elevated rating (40th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Concordia
Concordia's 92.5% 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 Concordia's figures come from
The methodology guide shows exactly how USFS turned 1,287 counted buildings into the percentiles shown above for Concordia. The exposure-zones guide covers what Concordia's dominant minimal exposure actually means, with real examples from across the dataset.