Excelsior Springs, MO
How exposed is Excelsior Springs to wildfire?
USFS scores Excelsior Springs at the 62nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 4,768 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 Excelsior Springs at the 64th percentile, close to its 62nd-percentile risk score.
What "at risk" means for the buildings here
Only 36.3% of Excelsior Springs's 4,768 buildings carry Direct exposure and 23% carry Indirect; the remaining 40.7% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Excelsior Springs ranks
Excelsior Springs's risk sits at a similar level relative to Missouri (62nd percentile statewide) as it does nationally (62nd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Excelsior Springs ranks 11,917 for wildfire risk (1 is highest) and 3,579 by building count (1 is largest). Within Missouri alone, it ranks 410 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Excelsior Springs and the insurance market
Excelsior Springs's high rating (62nd 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.
What would actually reduce this score
Excelsior Springs's 40.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
The methodology guide shows exactly how USFS turned 4,768 counted buildings into the percentiles shown above for Excelsior Springs. For more on what minimal exposure implies beyond Excelsior Springs, see the exposure-zones guide.