Stover, MO
Stover, MO's wildfire risk, in USFS's own numbers
USFS's Wildfire Risk to Communities model puts Stover at the 80th national percentile for risk to structures, well above the national norm for wildfire risk — a score built from 722 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Stover at the 82nd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
USFS puts 71.1% of Stover's 722 buildings in the Indirect exposure zone, versus 29% Direct and 0% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
How Stover compares
Compare Stover's two percentiles: 97th within Missouri, only 80th nationally — a gap of 17 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Stover ranks 6,370 for wildfire risk (1 is highest) and 14,424 by building count (1 is largest). Within Missouri alone, it ranks 35 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 80th percentile nationally, Stover 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.
Hardening a home in Stover
With ember exposure the dominant pattern in Stover (71.1% Indirect), vent screens and roofing material tend to matter more than lot clearing alone. The home-hardening guide covers both.
Where Stover's figures come from
Every one of the two percentiles behind Stover's 6,370-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Stover's dominant indirect exposure actually means, with real examples from across the dataset.