Fremont Hills, MO
Fremont Hills, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Fremont Hills at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 414 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Fremont Hills at the 67th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Fremont Hills's buildings actually sit
USFS puts 50.5% of Fremont Hills's 414 buildings in the Indirect exposure zone, versus 44% Direct and 5.6% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Fremont Hills ranks
Fremont Hills'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, Fremont Hills ranks 10,940 for wildfire risk (1 is highest) and 18,947 by building count (1 is largest). Within Missouri alone, it ranks 318 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Fremont Hills and the insurance market
Fremont Hills's high rating (65th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With ember exposure the dominant pattern in Fremont Hills (50.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Fremont Hills's figures come from
The methodology guide shows exactly how USFS turned 414 counted buildings into the percentiles shown above for Fremont Hills. The exposure-zones guide covers what Fremont Hills's dominant indirect exposure actually means, with real examples from across the dataset.