Frankclay, MO
Frankclay, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Frankclay lands at the 65th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 202 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Frankclay's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Frankclay's building exposure, zone by zone
202 buildings are counted in Frankclay, and 60.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Frankclay against the rest of the country
Frankclay's risk sits at a similar level relative to Missouri (70th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Frankclay ranks 10,971 for wildfire risk (1 is highest) and 24,767 by building count (1 is largest). Within Missouri alone, it ranks 322 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Frankclay
Frankclay's 65th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Frankclay (60.4%), 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
The methodology guide shows exactly how USFS turned 202 counted buildings into the percentiles shown above for Frankclay. For more on what direct exposure implies beyond Frankclay, see the exposure-zones guide.