Jane, MO
How exposed is Jane to wildfire?
Out of every US place USFS scores, Jane lands at the 80th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 278 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Jane's burn probability — fire likelihood with no building count factored in — sits at the 81st percentile nationally.
Where Jane's buildings actually sit
278 buildings are counted in Jane, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where Jane ranks
Compare Jane's two percentiles: 96th within Missouri, only 80th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Jane ranks 6,465 for wildfire risk (1 is highest) and 22,268 by building count (1 is largest). Within Missouri alone, it ranks 39 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Jane
Jane's 80th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Jane (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Jane's 6,465-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Jane, see the exposure-zones guide.