Harwood, MO
Harwood, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Harwood lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 77 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Harwood's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
Where Harwood's buildings actually sit
77 buildings are counted in Harwood, and 67.5% of them are Indirect exposure — ember-driven risk rather than the 32.5% in Direct exposure or the 0% rated Minimal.
Harwood against the rest of the country
Harwood scores 60th nationally and 57th 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, Harwood ranks 12,513 for wildfire risk (1 is highest) and 30,015 by building count (1 is largest). Within Missouri alone, it ranks 461 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Harwood
At the 60th percentile nationally, Harwood 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 Harwood (67.5% 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 Harwood's 12,513-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Harwood, see the exposure-zones guide.