Richmond, MO
Richmond, MO's wildfire risk, in USFS's own numbers
USFS scores Richmond at the 58th national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 2,963 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Richmond's burn probability — fire likelihood with no building count factored in — sits at the 59th percentile nationally.
Where Richmond's buildings actually sit
USFS classifies 74.4% of Richmond's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 25.6% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Richmond against the rest of the country
Richmond's risk sits at a similar level relative to Missouri (50th percentile statewide) as it does nationally (58th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Richmond ranks 13,338 for wildfire risk (1 is highest) and 5,496 by building count (1 is largest). Within Missouri alone, it ranks 539 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Richmond and the insurance market
Richmond's elevated wildfire rating (58th 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.
Hardening a home in Richmond
With 74.4% of buildings rated Minimal exposure, Richmond gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Richmond's figures come from
Every one of the two percentiles behind Richmond's 13,338-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Richmond's dominant minimal exposure actually means, with real examples from across the dataset.