Fountain N' Lakes, MO
Fountain N' Lakes wildfire risk explained
USFS's Wildfire Risk to Communities model puts Fountain N' Lakes at the 59th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 88 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Fountain N' Lakes's burn probability — fire likelihood with no building count factored in — sits at the 62nd percentile nationally.
Fountain N' Lakes's building exposure, zone by zone
Of Fountain N' Lakes's 88 counted buildings, 100% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
How Fountain N' Lakes compares
Fountain N' Lakes's risk sits at a similar level relative to Missouri (52nd percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Fountain N' Lakes ranks 12,984 for wildfire risk (1 is highest) and 29,580 by building count (1 is largest). Within Missouri alone, it ranks 514 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Fountain N' Lakes and the insurance market
Fountain N' Lakes's elevated wildfire rating (59th 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.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Fountain N' Lakes (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Fountain N' Lakes's 12,984-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Fountain N' Lakes, see the exposure-zones guide.