Excelsior Estates, MO
How exposed is Excelsior Estates to wildfire?
Excelsior Estates's 94 buildings earn a 67th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Excelsior Estates's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Excelsior Estates's building exposure, zone by zone
Of Excelsior Estates's 94 counted buildings, 75.5% carry Direct exposure and only 18.1% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Excelsior Estates ranks
There's little gap between Excelsior Estates's 67th national percentile and its 75th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Excelsior Estates ranks 10,337 for wildfire risk (1 is highest) and 29,320 by building count (1 is largest). Within Missouri alone, it ranks 268 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Excelsior Estates and the insurance market
Excelsior Estates's high rating (67th 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
Excelsior Estates's 75.5% 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
Every one of the two percentiles behind Excelsior Estates's 10,337-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Excelsior Estates, see the exposure-zones guide.