Penermon, MO
Penermon wildfire risk explained
Penermon's 39 buildings earn a 1st-percentile wildfire-risk score nationally under USFS's model — among the lower wildfire-risk places nationally. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Penermon at the 1st percentile, close to its 1st-percentile risk score.
Where Penermon's buildings actually sit
Only 18% of Penermon's 39 buildings carry Direct exposure and 0% carry Indirect; the remaining 82.1% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Penermon ranks
There's little gap between Penermon's 1st national percentile and its 1st percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Penermon ranks 31,247 for wildfire risk (1 is highest) and 31,191 by building count (1 is largest). Within Missouri alone, it ranks 1,052 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
Penermon's low wildfire rating (1st 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.
Lowering exposure, not just insuring around it
Penermon's 82.1% 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 Penermon's figures come from
Every one of the two percentiles behind Penermon's 31,247-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Penermon's dominant minimal exposure actually means, with real examples from across the dataset.