Hermitage, MO
Hermitage, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Hermitage at the 82nd national percentile for risk to structures, in USFS's highest wildfire-risk band nationally — a score built from 322 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Hermitage's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
Where Hermitage's buildings actually sit
51.2% of Hermitage's 322 buildings sit in USFS's Direct exposure zone, roughly 165 structures close enough to burnable vegetation for flame contact, not just embers — 48.8% fall in the Indirect, ember-only zone and 0% are Minimal.
How Hermitage compares
Compare Hermitage's two percentiles: 99th within Missouri, only 82nd nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Hermitage ranks 5,580 for wildfire risk (1 is highest) and 21,036 by building count (1 is largest). Within Missouri alone, it ranks 12 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
Hermitage's 82nd-percentile, very 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.
Hardening a home in Hermitage
Hermitage's 51.2% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Hermitage's 82nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Hermitage, see the exposure-zones guide.