Mosby, MO
Mosby wildfire risk explained
USFS's Wildfire Risk to Communities model puts Mosby at the 61st national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 122 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mosby at the 63rd percentile, close to its 61st-percentile risk score.
What "at risk" means for the buildings here
Indirect exposure is dominant in Mosby (50.8% of 122 buildings): far enough from burnable vegetation to avoid flame contact, close enough for wind-blown embers. Only 49.2% sit in the Direct zone.
How Mosby compares
Mosby scores 61st nationally and 58th 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, Mosby ranks 12,323 for wildfire risk (1 is highest) and 28,071 by building count (1 is largest). Within Missouri alone, it ranks 443 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
Mosby's high rating (61st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Mosby's 50.8% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Mosby's figures come from
Every one of the two percentiles behind Mosby's 12,323-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Mosby's dominant indirect exposure actually means, with real examples from across the dataset.