Frisbee, MO
Frisbee wildfire risk explained
USFS scores Frisbee at the 1st national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 114 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Frisbee at the 1st percentile, close to its 1st-percentile risk score.
Where Frisbee's buildings actually sit
Frisbee rates 71.9% Minimal exposure against just 28.1% Direct and 0% Indirect — of 114 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Frisbee ranks
Frisbee scores 1st nationally and 1st 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, Frisbee ranks 31,151 for wildfire risk (1 is highest) and 28,459 by building count (1 is largest). Within Missouri alone, it ranks 1,047 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
What this risk score means for insurance
Frisbee's low wildfire rating (1st 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.
Hardening a home in Frisbee
Even with 71.9% of Frisbee outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Frisbee's figures come from
Frisbee's 1st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Frisbee's dominant minimal exposure actually means, with real examples from across the dataset.