Rock Hill, MO
Rock Hill wildfire risk explained
Rock Hill sits at the 45th percentile nationally for wildfire risk to structures — modestly above the national average for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 2,399 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rock Hill's burn probability — fire likelihood with no building count factored in — sits at the 49th percentile nationally.
Where Rock Hill's buildings actually sit
98.4% of Rock Hill's 2,399 buildings sit in USFS's Minimal exposure zone, with only 1.6% rated Direct — risk here comes from regional burn probability more than proximity to burnable vegetation at the structure itself.
Where Rock Hill ranks
Rock Hill's 45th national percentile looks worse in isolation than its 25th ranking inside Missouri does — this place is on the milder end for its own state, by 21 points. Among the 31,521 US communities USFS scores, Rock Hill ranks 17,208 for wildfire risk (1 is highest) and 6,516 by building count (1 is largest). Within Missouri alone, it ranks 800 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
Rock Hill's elevated wildfire rating (45th 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 Rock Hill
Even with 98.4% of Rock Hill 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.
Where Rock Hill's figures come from
Every one of the two percentiles behind Rock Hill's 17,208-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Rock Hill's dominant minimal exposure actually means, with real examples from across the dataset.