Linn Creek, MO
Linn Creek, MO's wildfire risk, in USFS's own numbers
USFS scores Linn Creek at the 80th national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 196 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 Linn Creek at the 82nd percentile, close to its 80th-percentile risk score.
What "at risk" means for the buildings here
53.6% of Linn Creek's 196 buildings sit in USFS's Direct exposure zone, roughly 105 structures close enough to burnable vegetation for flame contact, not just embers — 46.4% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Linn Creek ranks
Linn Creek's 98th-percentile standing inside Missouri outpaces its 80th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Linn Creek ranks 6,272 for wildfire risk (1 is highest) and 25,001 by building count (1 is largest). Within Missouri alone, it ranks 29 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
At the 80th percentile nationally, Linn Creek carries the very 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
Because Direct exposure dominates in Linn Creek (53.6%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Linn Creek's figures come from
The methodology guide shows exactly how USFS turned 196 counted buildings into the percentiles shown above for Linn Creek. The exposure-zones guide covers what Linn Creek's dominant direct exposure actually means, with real examples from across the dataset.