Crystal Lakes, MO
Crystal Lakes wildfire risk explained
Crystal Lakes sits at the 66th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 217 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Crystal Lakes at the 68th percentile, close to its 66th-percentile risk score.
Where Crystal Lakes's buildings actually sit
Of Crystal Lakes's 217 counted buildings, 63.6% carry Direct exposure and only 6.9% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Crystal Lakes ranks
There's little gap between Crystal Lakes's 66th national percentile and its 72nd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Crystal Lakes ranks 10,717 for wildfire risk (1 is highest) and 24,235 by building count (1 is largest). Within Missouri alone, it ranks 297 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Crystal Lakes
Crystal Lakes's high rating (66th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Lowering exposure, not just insuring around it
Crystal Lakes's 63.6% 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.
Where Crystal Lakes's figures come from
The methodology guide shows exactly how USFS turned 217 counted buildings into the percentiles shown above for Crystal Lakes. The exposure-zones guide covers what Crystal Lakes's dominant direct exposure actually means, with real examples from across the dataset.