Otterville, MO
How exposed is Otterville to wildfire?
Otterville's 319 buildings earn a 70th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Otterville at the 72nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Otterville's building exposure, zone by zone
70.5% of Otterville's 319 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 29.5% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Where Otterville ranks
Otterville scores 70th nationally and 83rd within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Otterville ranks 9,362 for wildfire risk (1 is highest) and 21,120 by building count (1 is largest). Within Missouri alone, it ranks 185 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
At the 70th percentile nationally, Otterville carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
With ember exposure the dominant pattern in Otterville (70.5% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Otterville's 9,362-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Otterville, see the exposure-zones guide.