Oakville, MO
Oakville, MO's wildfire risk, in USFS's own numbers
USFS scores Oakville at the 36th national percentile for wildfire risk to structures (close to the middle of USFS's national wildfire-risk range), a figure built from 13,430 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Oakville's burn probability — fire likelihood with no building count factored in — sits at the 38th percentile nationally.
Where Oakville's buildings actually sit
USFS classifies 83.9% of Oakville's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 11.3% Direct and 4.9% Indirect — a landscape-level risk rather than a building-by-building one. At 13,430 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Oakville against the rest of the country
Oakville's 36th national percentile looks worse in isolation than its 12th ranking inside Missouri does — this place is on the milder end for its own state, by 25 points. Among the 31,521 US communities USFS scores, Oakville ranks 20,106 for wildfire risk (1 is highest) and 1,129 by building count (1 is largest). Within Missouri alone, it ranks 939 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
Oakville's moderate wildfire rating (36th 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
Even with 83.9% of Oakville outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Oakville's 20,106-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Oakville, see the exposure-zones guide.