Hartville, MO
Hartville wildfire risk explained
USFS scores Hartville at the 72nd national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 395 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hartville at the 75th national percentile — 3 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Hartville's buildings actually sit
Most of Hartville's buildings (66.8%) sit in the Indirect zone, where wind-blown embers rather than flame front are the mechanism USFS is scoring — ember-resistant vents and non-combustible roofing are the interventions this pattern favors, more than defensible space alone.
Hartville against the rest of the country
There's little gap between Hartville's 72nd national percentile and its 86th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Hartville ranks 8,728 for wildfire risk (1 is highest) and 19,318 by building count (1 is largest). Within Missouri alone, it ranks 147 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 72nd percentile nationally, Hartville 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.
What would actually reduce this score
With ember exposure the dominant pattern in Hartville (66.8% 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
The methodology guide shows exactly how USFS turned 395 counted buildings into the percentiles shown above for Hartville. For more on what indirect exposure implies beyond Hartville, see the exposure-zones guide.