Lockwood, MO
Lockwood wildfire risk explained
USFS's Wildfire Risk to Communities model puts Lockwood at the 55th national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 645 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Lockwood at the 56th national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Lockwood's building exposure, zone by zone
Only 26.4% of Lockwood's 645 buildings carry Direct exposure and 22.8% carry Indirect; the remaining 50.8% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Lockwood ranks
Lockwood's risk sits at a similar level relative to Missouri (42nd percentile statewide) as it does nationally (55th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Lockwood ranks 14,218 for wildfire risk (1 is highest) and 15,264 by building count (1 is largest). Within Missouri alone, it ranks 616 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Lockwood
Lockwood's elevated wildfire rating (55th 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
With 50.8% of buildings rated Minimal exposure, Lockwood gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Lockwood's figures come from
Every one of the two percentiles behind Lockwood's 14,218-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Lockwood's dominant minimal exposure actually means, with real examples from across the dataset.