Lathrop, MO
Lathrop, MO's wildfire risk, in USFS's own numbers
USFS scores Lathrop at the 52nd national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 1,067 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lathrop at the 52nd national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
Indirect exposure is dominant in Lathrop (50.4% of 1,067 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 28.1% sit in the Direct zone.
Where Lathrop ranks
Lathrop's 52nd national percentile looks worse in isolation than its 37th ranking inside Missouri does — this place is on the milder end for its own state, by 15 points. Among the 31,521 US communities USFS scores, Lathrop ranks 15,132 for wildfire risk (1 is highest) and 11,478 by building count (1 is largest). Within Missouri alone, it ranks 673 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Lathrop and the insurance market
Lathrop's elevated rating (52nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Lathrop's 50.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Lathrop's figures come from
Every one of the two percentiles behind Lathrop's 15,132-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lathrop's dominant indirect exposure actually means, with real examples from across the dataset.