Marceline, MO
Marceline wildfire risk explained
Out of every US place USFS scores, Marceline lands at the 68th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 1,571 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Marceline at the 70th percentile, close to its 68th-percentile risk score.
Marceline's building exposure, zone by zone
Marceline rates 77% Minimal exposure against just 23% Direct and 0% Indirect — of 1,571 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Marceline compares
Marceline scores 68th nationally and 78th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Marceline ranks 10,020 for wildfire risk (1 is highest) and 8,881 by building count (1 is largest). Within Missouri alone, it ranks 233 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
Marceline's 68th-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.
Lowering exposure, not just insuring around it
Marceline's 77% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
More on how this number was built
Marceline's 68th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Marceline, see the exposure-zones guide.