Spokane, MO
How exposed is Spokane to wildfire?
Spokane sits at the 79th percentile nationally for wildfire risk to structures — well above the national norm for wildfire risk — per USFS's Wildfire Risk to Communities model, built from its 273 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Spokane at the 81st percentile, close to its 79th-percentile risk score.
Spokane's building exposure, zone by zone
88.3% of Spokane's 273 buildings sit in USFS's Direct exposure zone, roughly 241 structures close enough to burnable vegetation for flame contact, not just embers — 11.7% fall in the Indirect, ember-only zone and 0% are Minimal.
How Spokane compares
Within Missouri, Spokane ranks higher (95th percentile) than it does nationally (79th) — one of the more fire-exposed places in a state that, overall, scores lower than that. Among the 31,521 US communities USFS scores, Spokane ranks 6,742 for wildfire risk (1 is highest) and 22,422 by building count (1 is largest). Within Missouri alone, it ranks 50 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 79th percentile nationally, Spokane 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 88.3% of Spokane in Direct exposure, defensible-space clearing and ember-resistant construction (vents, Class-A roofing) address the exposure this page's own numbers describe, not a generic checklist. See the home-hardening guide.
More on how this number was built
Spokane's 79th-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 Spokane, see the exposure-zones guide.