Latham, MO
Latham wildfire risk explained
USFS scores Latham at the 69th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 102 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Latham's burn probability — fire likelihood with no building count factored in — sits at the 71st percentile nationally.
What "at risk" means for the buildings here
100% of Latham's 102 buildings sit in USFS's Direct exposure zone, roughly 102 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Latham ranks
Latham scores 69th nationally and 80th 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, Latham ranks 9,744 for wildfire risk (1 is highest) and 28,958 by building count (1 is largest). Within Missouri alone, it ranks 213 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
Latham's high rating (69th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Latham
Because Direct exposure dominates in Latham (100%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Latham's figures come from
The methodology guide shows exactly how USFS turned 102 counted buildings into the percentiles shown above for Latham. The exposure-zones guide covers what Latham's dominant direct exposure actually means, with real examples from across the dataset.