La Tour, MO
How exposed is La Tour to wildfire?
La Tour sits at the 54th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 53 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks La Tour at the 55th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where La Tour's buildings actually sit
88.7% of La Tour's 53 buildings sit in USFS's Direct exposure zone, roughly 47 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 11.3% are Minimal.
How La Tour compares
There's little gap between La Tour's 54th national percentile and its 41st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, La Tour ranks 14,404 for wildfire risk (1 is highest) and 30,848 by building count (1 is largest). Within Missouri alone, it ranks 627 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
La Tour's elevated wildfire rating (54th 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.
Hardening a home in La Tour
La Tour's 88.7% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
Where La Tour's figures come from
Every one of the two percentiles behind La Tour's 14,404-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what La Tour's dominant direct exposure actually means, with real examples from across the dataset.