Glenwood, MO
Glenwood wildfire risk explained
Glenwood's 173 buildings earn a 74th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Glenwood at the 76th percentile, close to its 74th-percentile risk score.
Where Glenwood's buildings actually sit
USFS puts 57.2% of Glenwood's 173 buildings in the Indirect exposure zone, versus 42.8% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Glenwood against the rest of the country
Compare Glenwood's two percentiles: 89th within Missouri, only 74th nationally — a gap of 15 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Glenwood ranks 8,289 for wildfire risk (1 is highest) and 25,899 by building count (1 is largest). Within Missouri alone, it ranks 116 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
At the 74th percentile nationally, Glenwood carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Glenwood (57.2% 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
Every one of the two percentiles behind Glenwood's 8,289-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Glenwood, see the exposure-zones guide.