Fleming, MO
Fleming wildfire risk explained
Out of every US place USFS scores, Fleming lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 105 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fleming at the 54th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fleming's buildings actually sit
Direct exposure dominates in Fleming: 97.1% of its 105 buildings, versus 0% Indirect and 2.9% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Where Fleming ranks
Fleming's risk sits at a similar level relative to Missouri (38th percentile statewide) as it does nationally (53rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fleming ranks 14,877 for wildfire risk (1 is highest) and 28,805 by building count (1 is largest). Within Missouri alone, it ranks 652 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
Fleming's elevated wildfire rating (53rd 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
Fleming's 97.1% 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
Fleming's 53rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Fleming, see the exposure-zones guide.