Smithville, MO
Smithville wildfire risk explained
Smithville's 3,915 buildings earn a 65th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Smithville's burn probability — fire likelihood with no building count factored in — sits at the 67th percentile nationally.
Smithville's building exposure, zone by zone
Only 37.7% of Smithville's 3,915 buildings carry Direct exposure and 20.9% carry Indirect; the remaining 41.5% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
Where Smithville ranks
Smithville's risk sits at a similar level relative to Missouri (70th percentile statewide) as it does nationally (65th) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Smithville ranks 10,942 for wildfire risk (1 is highest) and 4,322 by building count (1 is largest). Within Missouri alone, it ranks 320 of 1,062 places by risk. See the full county-by-county picture for Missouri on its state page.
Smithville and the insurance market
Smithville's high rating (65th 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.
What would actually reduce this score
Smithville's 41.5% Minimal-exposure share means structure-level hardening matters less here than it would elsewhere — still worth the low-cost basics, per the home-hardening guide.
Where Smithville's figures come from
Every one of the two percentiles behind Smithville's 10,942-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Smithville's dominant minimal exposure actually means, with real examples from across the dataset.