Loma Linda, MO
How exposed is Loma Linda to wildfire?
USFS's Wildfire Risk to Communities model puts Loma Linda at the 73rd national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 433 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Loma Linda at the 74th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Loma Linda's buildings actually sit
433 buildings are counted in Loma Linda, and 93.5% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Loma Linda compares
There's little gap between Loma Linda's 73rd national percentile and its 87th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Loma Linda ranks 8,609 for wildfire risk (1 is highest) and 18,584 by building count (1 is largest). Within Missouri alone, it ranks 134 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Loma Linda
Loma Linda's 73rd-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
What would actually reduce this score
Because Direct exposure dominates in Loma Linda (93.5%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Loma Linda's figures come from
The methodology guide shows exactly how USFS turned 433 counted buildings into the percentiles shown above for Loma Linda. The exposure-zones guide covers what Loma Linda's dominant direct exposure actually means, with real examples from across the dataset.