Fremont, MO
How exposed is Fremont to wildfire?
USFS's Wildfire Risk to Communities model puts Fremont at the 76th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 66 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 Fremont at the 79th percentile, close to its 76th-percentile risk score.
What "at risk" means for the buildings here
97% of Fremont's 66 buildings sit in USFS's Direct exposure zone, roughly 64 structures close enough to burnable vegetation for flame contact, not just embers — 3% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Fremont ranks
Within Missouri, Fremont ranks higher (93rd percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Fremont ranks 7,439 for wildfire risk (1 is highest) and 30,427 by building count (1 is largest). Within Missouri alone, it ranks 76 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Fremont and the insurance market
Fremont's 76th-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 Fremont (97%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Fremont's figures come from
Every one of the two percentiles behind Fremont's 7,439-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Fremont's dominant direct exposure actually means, with real examples from across the dataset.