Deepwater, MO
How exposed is Deepwater to wildfire?
Deepwater sits at the 70th 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 329 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Deepwater's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
Deepwater's building exposure, zone by zone
Most of Deepwater's buildings (42.3% of 329) 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 Deepwater ranks
There's little gap between Deepwater's 70th national percentile and its 81st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Deepwater ranks 9,612 for wildfire risk (1 is highest) and 20,852 by building count (1 is largest). Within Missouri alone, it ranks 198 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
At the 70th percentile nationally, Deepwater carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Even with 42.3% of Deepwater 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.
More on how this number was built
The methodology guide shows exactly how USFS turned 329 counted buildings into the percentiles shown above for Deepwater. For more on what minimal exposure implies beyond Deepwater, see the exposure-zones guide.