Passaic, MO
How exposed is Passaic to wildfire?
USFS's Wildfire Risk to Communities model puts Passaic at the 41st national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 31 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Passaic's burn probability — fire likelihood with no building count factored in — sits at the 41st percentile nationally.
Passaic's building exposure, zone by zone
Most of Passaic's buildings (77.4% of 31) 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.
How Passaic compares
Passaic ranks lower within Missouri (15th percentile statewide) than its 41st national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Passaic ranks 18,687 for wildfire risk (1 is highest) and 31,346 by building count (1 is largest). Within Missouri alone, it ranks 899 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 41st national percentile, Passaic rates elevated for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
With 77.4% of buildings rated Minimal exposure, Passaic gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
The methodology guide shows exactly how USFS turned 31 counted buildings into the percentiles shown above for Passaic. For more on what minimal exposure implies beyond Passaic, see the exposure-zones guide.