Hurdland, MO
Hurdland wildfire risk explained
USFS's Wildfire Risk to Communities model puts Hurdland at the 57th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 185 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Hurdland at the 59th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Only 35.7% of Hurdland's 185 buildings carry Direct exposure and 0% carry Indirect; the remaining 64.3% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Hurdland against the rest of the country
Hurdland scores 57th nationally and 47th 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, Hurdland ranks 13,550 for wildfire risk (1 is highest) and 25,424 by building count (1 is largest). Within Missouri alone, it ranks 561 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Hurdland and the insurance market
Hurdland's elevated wildfire rating (57th 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
Hurdland's 64.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Hurdland's 57th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Hurdland, see the exposure-zones guide.