Freeman, MO
Freeman, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Freeman at the 54th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 315 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Freeman at the 56th percentile, close to its 54th-percentile risk score.
What "at risk" means for the buildings here
58.7% of Freeman's 315 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 39.7% Direct and 1.6% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Freeman ranks
Freeman scores 54th nationally and 41st 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, Freeman ranks 14,403 for wildfire risk (1 is highest) and 21,230 by building count (1 is largest). Within Missouri alone, it ranks 626 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Freeman and the insurance market
Freeman's elevated wildfire rating (54th 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
With ember exposure the dominant pattern in Freeman (58.7% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Freeman's figures come from
The methodology guide shows exactly how USFS turned 315 counted buildings into the percentiles shown above for Freeman. The exposure-zones guide covers what Freeman's dominant indirect exposure actually means, with real examples from across the dataset.