Schell City, MO
How exposed is Schell City to wildfire?
USFS scores Schell City at the 64th national percentile for wildfire risk to structures (well above the national norm for wildfire risk), a figure built from 208 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Schell City'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
208 buildings are counted in Schell City, and 57.2% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Schell City compares
There's little gap between Schell City'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, Schell City ranks 11,408 for wildfire risk (1 is highest) and 24,562 by building count (1 is largest). Within Missouri alone, it ranks 366 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
Schell City's high rating (64th percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
Hardening a home in Schell City
Schell City's 57.2% 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.
Where Schell City's figures come from
Schell City's 64th-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 Schell City's dominant direct exposure actually means, with real examples from across the dataset.