Richland, MO
Richland wildfire risk explained
Richland sits at the 81st percentile nationally for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — per USFS's Wildfire Risk to Communities model, built from its 1,132 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richland's burn probability — fire likelihood with no building count factored in — sits at the 84th percentile nationally.
What "at risk" means for the buildings here
USFS puts 60.8% of Richland's 1,132 buildings in the Indirect exposure zone, versus 39.2% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Richland compares
Within Missouri, Richland ranks higher (98th percentile) than it does nationally (81st) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Richland ranks 6,018 for wildfire risk (1 is highest) and 11,066 by building count (1 is largest). Within Missouri alone, it ranks 21 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
At the 81st percentile nationally, Richland carries the very 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Richland (60.8% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Richland's figures come from
Richland's 81st-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 Richland's dominant indirect exposure actually means, with real examples from across the dataset.