Fortuna, MO
How exposed is Fortuna to wildfire?
Fortuna sits at the 69th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 136 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Fortuna at the 71st percentile, close to its 69th-percentile risk score.
Fortuna's building exposure, zone by zone
USFS puts 63.2% of Fortuna's 136 buildings in the Indirect exposure zone, versus 36.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Fortuna against the rest of the country
Fortuna scores 69th nationally and 80th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Fortuna ranks 9,743 for wildfire risk (1 is highest) and 27,451 by building count (1 is largest). Within Missouri alone, it ranks 212 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Fortuna and the insurance market
At the 69th percentile nationally, Fortuna 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
Fortuna's 63.2% 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 Fortuna's figures come from
Every one of the two percentiles behind Fortuna's 9,743-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fortuna's dominant indirect exposure actually means, with real examples from across the dataset.