Cross Timbers, MO
Cross Timbers, MO's wildfire risk, in USFS's own numbers
USFS scores Cross Timbers at the 85th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 166 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Cross Timbers's burn probability — fire likelihood with no building count factored in — sits at the 87th percentile nationally.
Where Cross Timbers's buildings actually sit
57.8% of Cross Timbers's 166 buildings sit in USFS's Direct exposure zone, roughly 96 structures close enough to burnable vegetation for flame contact, not just embers — 42.2% fall in the Indirect, ember-only zone and 0% are Minimal.
How Cross Timbers compares
There's little gap between Cross Timbers's 85th national percentile and its 100th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Cross Timbers ranks 4,790 for wildfire risk (1 is highest) and 26,177 by building count (1 is largest). Within Missouri alone, it ranks 6 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Cross Timbers and the insurance market
Cross Timbers's 85th-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Cross Timbers's 57.8% 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.
More on how this number was built
Cross Timbers's 85th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Cross Timbers, see the exposure-zones guide.