Hamilton, MO
Hamilton, MO's wildfire risk, in USFS's own numbers
Hamilton's 1,050 buildings earn a 61st-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.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hamilton at the 62nd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hamilton's buildings actually sit
USFS classifies 71.7% of Hamilton's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 28.3% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Hamilton ranks
There's little gap between Hamilton's 61st national percentile and its 60th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hamilton ranks 12,198 for wildfire risk (1 is highest) and 11,595 by building count (1 is largest). Within Missouri alone, it ranks 431 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 61st percentile nationally, Hamilton 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
Hamilton's 71.7% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Hamilton's figures come from
Every one of the two percentiles behind Hamilton's 12,198-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hamilton's dominant minimal exposure actually means, with real examples from across the dataset.