Fulton, MO
How exposed is Fulton to wildfire?
USFS's Wildfire Risk to Communities model puts Fulton at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 4,875 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 Fulton at the 64th percentile, close to its 61st-percentile risk score.
Where Fulton's buildings actually sit
4,875 buildings are counted in Fulton, and 64.1% of them are Indirect exposure — ember-driven risk rather than the 29.4% in Direct exposure or the 6.5% rated Minimal.
How Fulton compares
There's little gap between Fulton's 61st national percentile and its 59th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Fulton ranks 12,197 for wildfire risk (1 is highest) and 3,509 by building count (1 is largest). Within Missouri alone, it ranks 430 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
Fulton's 61st-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
With ember exposure the dominant pattern in Fulton (64.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Fulton's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Fulton, see the exposure-zones guide.