Stewartsville, MO
Stewartsville, MO's wildfire risk, in USFS's own numbers
Stewartsville sits at the 61st 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 472 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stewartsville at the 61st national percentile — 1 points above its risk-to-structures score, a gap driven by how much is actually built there.
Where Stewartsville's buildings actually sit
61.4% of Stewartsville's 472 buildings fall in USFS's Indirect exposure zone — ember cast rather than direct flame — against 38.6% Direct and 0% Minimal. Vent screens and roofing material matter more here than lot clearing alone.
Stewartsville against the rest of the country
Stewartsville's risk sits at a similar level relative to Missouri (57th percentile statewide) as it does nationally (61st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Stewartsville ranks 12,419 for wildfire risk (1 is highest) and 17,841 by building count (1 is largest). Within Missouri alone, it ranks 454 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
Stewartsville's 61st-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.
Hardening a home in Stewartsville
Stewartsville's 61.4% Indirect-exposure share points at embers, not flame contact, as the main pathway — ember-resistant vents and non-combustible roofing rank ahead of defensible space here. Detail in the home-hardening guide.
More on how this number was built
Stewartsville's 61st-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what indirect exposure implies beyond Stewartsville, see the exposure-zones guide.