Grant City, MO
Grant City wildfire risk explained
Out of every US place USFS scores, Grant City lands at the 72nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 626 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Grant City's burn probability — fire likelihood with no building count factored in — sits at the 73rd percentile nationally.
Grant City's building exposure, zone by zone
67.6% of Grant City's 626 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 32.4% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Grant City against the rest of the country
Grant City scores 72nd nationally and 86th 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, Grant City ranks 8,792 for wildfire risk (1 is highest) and 15,490 by building count (1 is largest). Within Missouri alone, it ranks 152 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
Grant City's 72nd-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 Grant City (67.6% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Grant City's figures come from
The methodology guide shows exactly how USFS turned 626 counted buildings into the percentiles shown above for Grant City. The exposure-zones guide covers what Grant City's dominant indirect exposure actually means, with real examples from across the dataset.