Pacific, MO
Pacific wildfire risk explained
Pacific sits at the 52nd percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,818 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Pacific at the 53rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
2,818 buildings are counted in Pacific, and 71.6% of them are Indirect exposure — ember-driven risk rather than the 28.4% in Direct exposure or the 0% rated Minimal.
Where Pacific ranks
Pacific's 52nd national percentile looks worse in isolation than its 36th ranking inside Missouri does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Pacific ranks 15,253 for wildfire risk (1 is highest) and 5,729 by building count (1 is largest). Within Missouri alone, it ranks 680 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Pacific and the insurance market
Pacific's elevated rating (52nd 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
Pacific's 71.6% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
Where Pacific's figures come from
The methodology guide shows exactly how USFS turned 2,818 counted buildings into the percentiles shown above for Pacific. The exposure-zones guide covers what Pacific's dominant indirect exposure actually means, with real examples from across the dataset.