Fordland, MO
Fordland, MO's wildfire risk, in USFS's own numbers
Fordland's 458 buildings earn a 76th-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.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fordland at the 78th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
USFS puts 62.5% of Fordland's 458 buildings in the Indirect exposure zone, versus 37.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Fordland against the rest of the country
Within Missouri, Fordland ranks higher (93rd percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fordland ranks 7,567 for wildfire risk (1 is highest) and 18,103 by building count (1 is largest). Within Missouri alone, it ranks 81 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 76th percentile nationally, Fordland 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
Fordland's 62.5% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Fordland's figures come from
Every one of the two percentiles behind Fordland's 7,567-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fordland's dominant indirect exposure actually means, with real examples from across the dataset.