Lake Lotawana, MO
How exposed is Lake Lotawana to wildfire?
USFS scores Lake Lotawana at the 46th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,170 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lake Lotawana at the 47th percentile, close to its 46th-percentile risk score.
Lake Lotawana's building exposure, zone by zone
Only 33.6% of Lake Lotawana's 2,170 buildings carry Direct exposure and 0.2% carry Indirect; the remaining 66.2% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Lake Lotawana against the rest of the country
Inside Missouri, Lake Lotawana sits at just the 25th percentile even though it scores 46th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, Lake Lotawana ranks 16,989 for wildfire risk (1 is highest) and 7,019 by building count (1 is largest). Within Missouri alone, it ranks 793 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Lake Lotawana and the insurance market
Lake Lotawana's elevated wildfire rating (46th 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 Lake Lotawana
With 66.2% of buildings rated Minimal exposure, Lake Lotawana 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
Lake Lotawana's 46th-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 Lake Lotawana, see the exposure-zones guide.