Lake Winnebago, MO
How exposed is Lake Winnebago to wildfire?
Lake Winnebago sits at the 45th 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 730 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Lake Winnebago's burn probability — fire likelihood with no building count factored in — sits at the 46th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 71.9% of Lake Winnebago's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 28.1% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Where Lake Winnebago ranks
Inside Missouri, Lake Winnebago sits at just the 24th percentile even though it scores 45th 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 Winnebago ranks 17,332 for wildfire risk (1 is highest) and 14,333 by building count (1 is largest). Within Missouri alone, it ranks 806 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Lake Winnebago
At the 45th national percentile, Lake Winnebago rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 71.9% of Lake Winnebago outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Lake Winnebago's 17,332-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lake Winnebago, see the exposure-zones guide.