Polo, MO
Polo, MO's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Polo lands at the 62nd percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 403 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Polo at the 63rd national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Polo's building exposure, zone by zone
USFS classifies 80.2% of Polo's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 19.9% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Polo against the rest of the country
Polo scores 62nd nationally and 62nd within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Polo ranks 11,876 for wildfire risk (1 is highest) and 19,154 by building count (1 is largest). Within Missouri alone, it ranks 408 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Polo and the insurance market
At the 62nd percentile nationally, Polo carries the high rating that has pushed some carriers to limit new business in similarly-scored places elsewhere in the country. Worth comparing quotes rather than assuming last year's renewal terms still apply.
What would actually reduce this score
Even with 80.2% of Polo outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Polo's 62nd-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what minimal exposure implies beyond Polo, see the exposure-zones guide.