Sugar Creek, MO
Sugar Creek, MO's wildfire risk, in USFS's own numbers
Sugar Creek's 2,086 buildings earn a 53rd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Sugar Creek at the 54th percentile, close to its 53rd-percentile risk score.
What "at risk" means for the buildings here
Only 24% of Sugar Creek's 2,086 buildings carry Direct exposure and 4.7% carry Indirect; the remaining 71.4% are Minimal, which shifts the risk driving this page's score toward the surrounding landscape rather than any one structure.
How Sugar Creek compares
There's little gap between Sugar Creek's 53rd national percentile and its 39th percentile inside Missouri, which means the state comparison mostly confirms what the national score already shows. Among the 31,521 US communities USFS scores, Sugar Creek ranks 14,847 for wildfire risk (1 is highest) and 7,233 by building count (1 is largest). Within Missouri alone, it ranks 650 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
Sugar Creek's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 71.4% of buildings rated Minimal exposure, Sugar Creek gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Sugar Creek's 14,847-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Sugar Creek, see the exposure-zones guide.