Morehouse, MO
Morehouse, MO's wildfire risk, in USFS's own numbers
Morehouse's 604 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Morehouse at the 1st national percentile — 0 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Morehouse's buildings actually sit
Morehouse rates 86.3% Minimal exposure against just 13.7% Direct and 0% Indirect — of 604 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
How Morehouse compares
Morehouse scores 1st nationally and 1st 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, Morehouse ranks 31,154 for wildfire risk (1 is highest) and 15,789 by building count (1 is largest). Within Missouri alone, it ranks 1,050 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
Morehouse's low wildfire rating (1st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 86.3% of Morehouse 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 Morehouse's figures come from
Morehouse's 1st-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 Morehouse's dominant minimal exposure actually means, with real examples from across the dataset.