Ludlow, MO
Ludlow, MO's wildfire risk, in USFS's own numbers
USFS scores Ludlow at the 48th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 155 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 Ludlow at the 49th percentile, close to its 48th-percentile risk score.
Ludlow's building exposure, zone by zone
Ludlow rates 72.9% Minimal exposure against just 27.1% Direct and 0% Indirect — of 155 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Where Ludlow ranks
Ludlow ranks lower within Missouri (28th percentile statewide) than its 48th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Ludlow ranks 16,486 for wildfire risk (1 is highest) and 26,660 by building count (1 is largest). Within Missouri alone, it ranks 762 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Ludlow
At the 48th national percentile, Ludlow rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Even with 72.9% of Ludlow outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Ludlow's figures come from
Ludlow's 48th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. The exposure-zones guide covers what Ludlow's dominant minimal exposure actually means, with real examples from across the dataset.