Cosby, MO
How exposed is Cosby to wildfire?
Cosby sits at the 51st 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 105 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cosby's burn probability — fire likelihood with no building count factored in — sits at the 52nd percentile nationally.
What "at risk" means for the buildings here
Only 43.8% of Cosby's 105 buildings carry Direct exposure and 0% carry Indirect; the remaining 56.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Cosby compares
Cosby's 51st national percentile looks worse in isolation than its 35th ranking inside Missouri does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Cosby ranks 15,381 for wildfire risk (1 is highest) and 28,804 by building count (1 is largest). Within Missouri alone, it ranks 694 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Cosby and the insurance market
Cosby's elevated rating (51st percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 56.2% of buildings rated Minimal exposure, Cosby gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Cosby's figures come from
Every one of the two percentiles behind Cosby's 15,381-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Cosby's dominant minimal exposure actually means, with real examples from across the dataset.