Napoleon, MO
Napoleon, MO's wildfire risk, in USFS's own numbers
Napoleon sits at the 43rd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 180 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Napoleon at the 43rd percentile, close to its 43rd-percentile risk score.
What "at risk" means for the buildings here
55% of Napoleon's 180 buildings sit in USFS's Direct exposure zone, roughly 99 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 45% are Minimal.
Where Napoleon ranks
Napoleon's 43rd national percentile looks worse in isolation than its 19th ranking inside Missouri does — this place is on the milder end for its own state, by 24 points. Among the 31,521 US communities USFS scores, Napoleon ranks 17,994 for wildfire risk (1 is highest) and 25,633 by building count (1 is largest). Within Missouri alone, it ranks 865 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Napoleon
At the 43rd national percentile, Napoleon rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
Lowering exposure, not just insuring around it
Napoleon's 55% 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.
More on how this number was built
Napoleon's 43rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Napoleon, see the exposure-zones guide.