New Hamburg, MO
How exposed is New Hamburg to wildfire?
New Hamburg's 161 buildings earn a 27th-percentile wildfire-risk score nationally under USFS's model — close to the middle of USFS's national wildfire-risk range. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, New Hamburg's burn probability — fire likelihood with no building count factored in — sits at the 29th percentile nationally.
Where New Hamburg's buildings actually sit
161 buildings are counted in New Hamburg, and 71.4% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
Where New Hamburg ranks
Inside Missouri, New Hamburg sits at just the 8th percentile even though it scores 27th nationally — the state's overall wildfire exposure is high enough to make this a relatively quiet corner of it. Among the 31,521 US communities USFS scores, New Hamburg ranks 23,043 for wildfire risk (1 is highest) and 26,392 by building count (1 is largest). Within Missouri alone, it ranks 973 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
New Hamburg's moderate wildfire rating (27th 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
Because Direct exposure dominates in New Hamburg (71.4%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where New Hamburg's figures come from
New Hamburg's 27th-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 New Hamburg's dominant direct exposure actually means, with real examples from across the dataset.