Prathersville, MO
How exposed is Prathersville to wildfire?
USFS scores Prathersville at the 59th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 119 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Prathersville at the 60th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
119 buildings are counted in Prathersville, and 84.9% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 2.5% rated Minimal.
How Prathersville compares
Prathersville's risk sits at a similar level relative to Missouri (51st percentile statewide) as it does nationally (59th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Prathersville ranks 13,050 for wildfire risk (1 is highest) and 28,203 by building count (1 is largest). Within Missouri alone, it ranks 519 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
Prathersville's elevated wildfire rating (59th 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
With 84.9% of Prathersville 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
Every one of the two percentiles behind Prathersville's 13,050-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Prathersville, see the exposure-zones guide.