Phillipsburg, MO
Phillipsburg, MO's wildfire risk, in USFS's own numbers
USFS scores Phillipsburg at the 83rd national percentile for wildfire risk to structures (in USFS's highest wildfire-risk band nationally), a figure built from 140 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Phillipsburg's burn probability — fire likelihood with no building count factored in — sits at the 85th percentile nationally.
What "at risk" means for the buildings here
USFS classifies 67.1% of Phillipsburg's buildings as Direct exposure, higher than its 32.9% Indirect share and far above its 0% Minimal share — a profile where 94 structures sit close enough to vegetation that lot clearing matters most.
Where Phillipsburg ranks
Within Missouri, Phillipsburg ranks higher (99th percentile) than it does nationally (83rd) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Phillipsburg ranks 5,421 for wildfire risk (1 is highest) and 27,289 by building count (1 is largest). Within Missouri alone, it ranks 10 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Phillipsburg and the insurance market
Phillipsburg's 83rd-percentile, very high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Hardening a home in Phillipsburg
With 67.1% of Phillipsburg in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Phillipsburg's 83rd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Phillipsburg, see the exposure-zones guide.