Middletown, MO
Middletown, MO's wildfire risk, in USFS's own numbers
Middletown's 184 buildings earn a 50th-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Middletown at the 52nd percentile, close to its 50th-percentile risk score.
Middletown's building exposure, zone by zone
184 buildings are counted in Middletown, and 53.3% of them are Indirect exposure — ember-driven risk rather than the 46.7% in Direct exposure or the 0% rated Minimal.
Where Middletown ranks
Middletown ranks lower within Missouri (33rd percentile statewide) than its 50th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Middletown ranks 15,697 for wildfire risk (1 is highest) and 25,470 by building count (1 is largest). Within Missouri alone, it ranks 712 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Middletown and the insurance market
Middletown's elevated rating (50th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Middletown (53.3% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Middletown's figures come from
The methodology guide shows exactly how USFS turned 184 counted buildings into the percentiles shown above for Middletown. The exposure-zones guide covers what Middletown's dominant indirect exposure actually means, with real examples from across the dataset.