Rutledge, MO
Rutledge, MO's wildfire risk, in USFS's own numbers
USFS scores Rutledge at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 95 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Rutledge's burn probability — fire likelihood with no building count factored in — sits at the 66th percentile nationally.
What "at risk" means for the buildings here
USFS puts 68.4% of Rutledge's 95 buildings in the Indirect exposure zone, versus 31.6% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Rutledge ranks
There's little gap between Rutledge's 64th national percentile and its 66th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Rutledge ranks 11,383 for wildfire risk (1 is highest) and 29,276 by building count (1 is largest). Within Missouri alone, it ranks 361 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Rutledge and the insurance market
At the 64th percentile nationally, Rutledge 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.
Lowering exposure, not just insuring around it
With ember exposure the dominant pattern in Rutledge (68.4% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
More on how this number was built
Every one of the two percentiles behind Rutledge's 11,383-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what indirect exposure implies beyond Rutledge, see the exposure-zones guide.