Dearborn, MO
Dearborn wildfire risk explained
USFS scores Dearborn at the 52nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 368 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Dearborn at the 53rd percentile, close to its 52nd-percentile risk score.
What "at risk" means for the buildings here
Most of Dearborn's buildings (68.2% of 368) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Dearborn ranks
Dearborn scores 52nd nationally and 38th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Dearborn ranks 15,001 for wildfire risk (1 is highest) and 19,906 by building count (1 is largest). Within Missouri alone, it ranks 662 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
Dearborn's elevated wildfire rating (52nd 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
Even with 68.2% of Dearborn outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Dearborn's figures come from
The methodology guide shows exactly how USFS turned 368 counted buildings into the percentiles shown above for Dearborn. The exposure-zones guide covers what Dearborn's dominant minimal exposure actually means, with real examples from across the dataset.