Loch Lloyd, MO
Loch Lloyd, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Loch Lloyd at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 444 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loch Lloyd at the 43rd national percentile — 1 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
Of Loch Lloyd's 444 counted buildings, 79.5% carry Direct exposure and only 0% carry Minimal — a lopsided split that puts defensible-space clearing ahead of vents or roofing as the intervention worth doing first.
Where Loch Lloyd ranks
Inside Missouri, Loch Lloyd sits at just the 17th percentile even though it scores 42nd 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, Loch Lloyd ranks 18,218 for wildfire risk (1 is highest) and 18,384 by building count (1 is largest). Within Missouri alone, it ranks 879 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Loch Lloyd and the insurance market
Loch Lloyd's elevated wildfire rating (42nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Loch Lloyd's 79.5% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Loch Lloyd's 42nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Loch Lloyd, see the exposure-zones guide.