Saddlebrooke, MO
Saddlebrooke wildfire risk explained
Out of every US place USFS scores, Saddlebrooke lands at the 76th percentile for wildfire risk to structures — well above the national norm for wildfire risk — a figure built from its 173 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Saddlebrooke's burn probability — fire likelihood with no building count factored in — sits at the 78th percentile nationally.
Where Saddlebrooke's buildings actually sit
100% of Saddlebrooke's 173 buildings sit in USFS's Direct exposure zone, roughly 173 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 0% are Minimal.
Where Saddlebrooke ranks
Within Missouri, Saddlebrooke ranks higher (93rd percentile) than it does nationally (76th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Saddlebrooke ranks 7,440 for wildfire risk (1 is highest) and 25,900 by building count (1 is largest). Within Missouri alone, it ranks 77 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
Saddlebrooke's 76th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Saddlebrooke's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
Saddlebrooke's 76th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Saddlebrooke, see the exposure-zones guide.