Holcomb, MO
Holcomb wildfire risk explained
USFS's Wildfire Risk to Communities model puts Holcomb at the 2nd national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 400 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holcomb at the 2nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Holcomb's buildings actually sit
Most of Holcomb's buildings (74.8% of 400) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Where Holcomb ranks
Holcomb scores 2nd nationally and 2nd 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, Holcomb ranks 30,957 for wildfire risk (1 is highest) and 19,213 by building count (1 is largest). Within Missouri alone, it ranks 1,037 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
Holcomb's low wildfire rating (2nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
With 74.8% of buildings rated Minimal exposure, Holcomb gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Holcomb's 30,957-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Holcomb, see the exposure-zones guide.