North Lilbourn, MO
How exposed is North Lilbourn to wildfire?
North Lilbourn sits at the 2nd percentile nationally for wildfire risk to structures — among the lower wildfire-risk places nationally — per USFS's Wildfire Risk to Communities model, built from its 34 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, North Lilbourn's burn probability — fire likelihood with no building count factored in — sits at the 2nd percentile nationally.
What "at risk" means for the buildings here
North Lilbourn rates 64.7% Minimal exposure against just 35.3% Direct and 0% Indirect — of 34 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
North Lilbourn against the rest of the country
There's little gap between North Lilbourn's 2nd national percentile and its 3rd percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, North Lilbourn ranks 30,866 for wildfire risk (1 is highest) and 31,293 by building count (1 is largest). Within Missouri alone, it ranks 1,034 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
North Lilbourn's low wildfire rating (2nd 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.
Lowering exposure, not just insuring around it
With 64.7% of buildings rated Minimal exposure, North Lilbourn gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where North Lilbourn's figures come from
The methodology guide shows exactly how USFS turned 34 counted buildings into the percentiles shown above for North Lilbourn. The exposure-zones guide covers what North Lilbourn's dominant minimal exposure actually means, with real examples from across the dataset.