Gilman City, MO
Gilman City wildfire risk explained
USFS scores Gilman City at the 47th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 343 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Gilman City at the 48th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Gilman City's building exposure, zone by zone
USFS puts 44.6% of Gilman City's 343 buildings in the Indirect exposure zone, versus 36.2% Direct and 19.2% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Gilman City ranks
Gilman City ranks lower within Missouri (27th percentile statewide) than its 47th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Gilman City ranks 16,672 for wildfire risk (1 is highest) and 20,490 by building count (1 is largest). Within Missouri alone, it ranks 776 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
Gilman City's elevated wildfire rating (47th 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
Because 44.6% of Gilman City's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Gilman City's 16,672-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Gilman City, see the exposure-zones guide.