Hardin, MO
Hardin wildfire risk explained
Hardin sits at the 23rd percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 404 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hardin at the 22nd national percentile — 2 points below its risk-to-structures score, a gap driven by how much is actually built there.
Where Hardin's buildings actually sit
Hardin rates 94.1% Minimal exposure against just 5.9% Direct and 0% Indirect — of 404 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Hardin compares
Inside Missouri, Hardin sits at just the 7th percentile even though it scores 23rd nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Hardin ranks 24,146 for wildfire risk (1 is highest) and 19,139 by building count (1 is largest). Within Missouri alone, it ranks 984 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Hardin and the insurance market
Hardin's moderate rating (23rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Hardening a home in Hardin
With 94.1% of buildings rated Minimal exposure, Hardin gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Hardin's figures come from
Every one of the two percentiles behind Hardin's 24,146-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Hardin's dominant minimal exposure actually means, with real examples from across the dataset.