Pine Lawn, MO
How exposed is Pine Lawn to wildfire?
USFS's Wildfire Risk to Communities model puts Pine Lawn at the 42nd national percentile for risk to structures, modestly above the national average for wildfire risk — a score built from 1,702 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Pine Lawn at the 46th percentile, close to its 42nd-percentile risk score.
What "at risk" means for the buildings here
99.5% of Pine Lawn's 1,702 buildings sit in USFS's Minimal exposure zone, with only 0.5% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
How Pine Lawn compares
Inside Missouri, Pine Lawn 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, Pine Lawn ranks 18,374 for wildfire risk (1 is highest) and 8,413 by building count (1 is largest). Within Missouri alone, it ranks 887 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
Pine Lawn'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.
Hardening a home in Pine Lawn
Pine Lawn's 99.5% 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 Pine Lawn's figures come from
Pine Lawn'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 Pine Lawn's dominant minimal exposure actually means, with real examples from across the dataset.