Spickard, MO
Spickard wildfire risk explained
Spickard's 230 buildings earn a 67th-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, Spickard's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
What "at risk" means for the buildings here
Direct exposure dominates in Spickard: 51.3% of its 230 buildings, versus 1.7% Indirect and 47% Minimal. Clearing space around a structure changes the outcome here more than any single building-material swap.
Spickard against the rest of the country
Spickard scores 67th nationally and 74th within Missouri — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Spickard ranks 10,467 for wildfire risk (1 is highest) and 23,798 by building count (1 is largest). Within Missouri alone, it ranks 278 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
At the 67th percentile nationally, Spickard 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.
What would actually reduce this score
Because Direct exposure dominates in Spickard (51.3%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Spickard's 10,467-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what direct exposure implies beyond Spickard, see the exposure-zones guide.