Overland, MO
Overland, MO's wildfire risk, in USFS's own numbers
Overland's 8,114 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Overland at the 46th percentile, close to its 42nd-percentile risk score.
What "at risk" means for the buildings here
Most of Overland's buildings (98.3% of 8,114) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure. At 8,114 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
Where Overland ranks
Inside Missouri, Overland sits at just the 17th percentile even though it scores 42nd 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, Overland ranks 18,274 for wildfire risk (1 is highest) and 2,069 by building count (1 is largest). Within Missouri alone, it ranks 882 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Shopping for coverage in Overland
Overland's elevated rating (42nd percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Overland's 98.3% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Overland's figures come from
Overland's 42nd-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 Overland's dominant minimal exposure actually means, with real examples from across the dataset.