Ginger Blue, MO
Ginger Blue wildfire risk explained
Ginger Blue sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 36 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Ginger Blue's burn probability — fire likelihood with no building count factored in — sits at the 83rd percentile nationally.
Ginger Blue's building exposure, zone by zone
100% of Ginger Blue's 36 buildings sit in USFS's Direct exposure zone, roughly 36 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
How Ginger Blue compares
Compare Ginger Blue's two percentiles: 99th within Missouri, only 81st nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Ginger Blue ranks 5,894 for wildfire risk (1 is highest) and 31,255 by building count (1 is largest). Within Missouri alone, it ranks 16 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Ginger Blue and the insurance market
Ginger Blue's very high rating (81st 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.
Lowering exposure, not just insuring around it
With 100% of Ginger Blue in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Ginger Blue's figures come from
Every one of the two percentiles behind Ginger Blue's 5,894-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Ginger Blue's dominant direct exposure actually means, with real examples from across the dataset.