Merwin, MO
Merwin, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Merwin lands at the 61st percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 47 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Merwin's burn probability — fire likelihood with no building count factored in — sits at the 61st percentile nationally.
What "at risk" means for the buildings here
61.7% of Merwin's 47 buildings sit in USFS's Direct exposure zone, roughly 29 structures close enough to burnable vegetation for flame contact, not just embers — 38.3% fall in the Indirect, ember-only zone and 0% are Minimal.
How Merwin compares
Merwin's risk sits at a similar level relative to Missouri (57th percentile statewide) as it does nationally (61st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Merwin ranks 12,417 for wildfire risk (1 is highest) and 31,001 by building count (1 is largest). Within Missouri alone, it ranks 452 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Merwin
At the 61st percentile nationally, Merwin carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
Lowering exposure, not just insuring around it
Merwin's 61.7% 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.
Where Merwin's figures come from
The methodology guide shows exactly how USFS turned 47 counted buildings into the percentiles shown above for Merwin. The exposure-zones guide covers what Merwin's dominant direct exposure actually means, with real examples from across the dataset.