Neck City, MO
Neck City, MO's wildfire risk, in USFS's own numbers
USFS scores Neck City at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 116 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Neck City at the 60th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Neck City's buildings actually sit
75% of Neck City's 116 buildings sit in USFS's Direct exposure zone, roughly 87 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 25% are Minimal.
Neck City against the rest of the country
Neck City's risk sits at a similar level relative to Missouri (49th percentile statewide) as it does nationally (58th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Neck City ranks 13,337 for wildfire risk (1 is highest) and 28,364 by building count (1 is largest). Within Missouri alone, it ranks 538 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Neck City
Neck City's elevated rating (58th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 75% of Neck City in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
Where Neck City's figures come from
Neck City's 58th-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 Neck City's dominant direct exposure actually means, with real examples from across the dataset.