Leadwood, MO
Leadwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Leadwood at the 65th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 648 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Leadwood at the 66th percentile, close to its 65th-percentile risk score.
Where Leadwood's buildings actually sit
Indirect exposure is dominant in Leadwood (63.7% of 648 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 36.3% sit in the Direct zone.
Leadwood against the rest of the country
Leadwood's risk sits at a similar level relative to Missouri (68th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Leadwood ranks 11,126 for wildfire risk (1 is highest) and 15,221 by building count (1 is largest). Within Missouri alone, it ranks 339 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Leadwood and the insurance market
At the 65th percentile nationally, Leadwood carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Leadwood's 63.7% 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 Leadwood's figures come from
Every one of the two percentiles behind Leadwood's 11,126-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Leadwood's dominant indirect exposure actually means, with real examples from across the dataset.