Holts Summit, MO
Holts Summit, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Holts Summit lands at the 65th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 3,025 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Holts Summit at the 66th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Holts Summit's building exposure, zone by zone
USFS puts 52.4% of Holts Summit's 3,025 buildings in the Indirect exposure zone, versus 47.3% Direct and 0.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Holts Summit ranks
Holts Summit scores 65th nationally and 68th 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, Holts Summit ranks 11,094 for wildfire risk (1 is highest) and 5,388 by building count (1 is largest). Within Missouri alone, it ranks 336 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 65th percentile nationally, Holts Summit 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
Holts Summit's 52.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Holts Summit's 11,094-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Holts Summit, see the exposure-zones guide.