Howardville, MO
Howardville wildfire risk explained
USFS scores Howardville at the 3rd national percentile for wildfire risk to structures (among the lower wildfire-risk places nationally), a figure built from 172 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Howardville's burn probability — fire likelihood with no building count factored in — sits at the 3rd percentile nationally.
What "at risk" means for the buildings here
Only 22.1% of Howardville's 172 buildings carry Direct exposure and 0% carry Indirect; the remaining 77.9% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Howardville ranks
Howardville's risk sits at a similar level relative to Missouri (3rd percentile statewide) as it does nationally (3rd) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Howardville ranks 30,551 for wildfire risk (1 is highest) and 25,945 by building count (1 is largest). Within Missouri alone, it ranks 1,027 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Howardville and the insurance market
Howardville's low rating (3rd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With 77.9% of buildings rated Minimal exposure, Howardville 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 Howardville's 30,551-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Howardville, see the exposure-zones guide.