Hoberg, MO
Hoberg, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Hoberg lands at the 60th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 41 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hoberg at the 62nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Hoberg's building exposure, zone by zone
Of Hoberg's 41 counted buildings, 63.4% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Hoberg against the rest of the country
Hoberg's risk sits at a similar level relative to Missouri (56th percentile statewide) as it does nationally (60th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Hoberg ranks 12,514 for wildfire risk (1 is highest) and 31,141 by building count (1 is largest). Within Missouri alone, it ranks 462 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
Hoberg's high rating (60th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
With 63.4% of Hoberg in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Hoberg's figures come from
The methodology guide shows exactly how USFS turned 41 counted buildings into the percentiles shown above for Hoberg. The exposure-zones guide covers what Hoberg's dominant direct exposure actually means, with real examples from across the dataset.