Jefferson City, MO
Jefferson City, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Jefferson City lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 25,467 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Jefferson City at the 63rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Jefferson City's building exposure, zone by zone
43.8% of Jefferson City's 25,467 buildings sit in USFS's Minimal exposure zone, with only 25.7% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself. At 25,467 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Jefferson City compares
Jefferson City scores 61st nationally and 58th 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, Jefferson City ranks 12,356 for wildfire risk (1 is highest) and 496 by building count (1 is largest). Within Missouri alone, it ranks 447 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 61st percentile nationally, Jefferson City 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.
Lowering exposure, not just insuring around it
With 43.8% of buildings rated Minimal exposure, Jefferson City gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Jefferson City's figures come from
Jefferson City's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Jefferson City's dominant minimal exposure actually means, with real examples from across the dataset.