Eminence, MO
Eminence wildfire risk explained
USFS's Wildfire Risk to Communities model puts Eminence at the 77th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 542 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Eminence's burn probability — fire likelihood with no building count factored in — sits at the 80th percentile nationally.
What "at risk" means for the buildings here
542 buildings are counted in Eminence, and 56.6% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Eminence compares
Eminence's 94th-percentile standing inside Missouri outpaces its 77th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Eminence ranks 7,219 for wildfire risk (1 is highest) and 16,685 by building count (1 is largest). Within Missouri alone, it ranks 68 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Eminence and the insurance market
At the 77th percentile nationally, Eminence 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.
What would actually reduce this score
Because Direct exposure dominates in Eminence (56.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Eminence's 7,219-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Eminence, see the exposure-zones guide.